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Journal articles on the topic 'M-banking models'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Sreeramana, Aithal. "A Review on various E-business and M-business models & Research Opportunities." International Journal of Management, IT and Engineering (IJMIE) 6, no. 1 (2016): 275–98. https://doi.org/10.5281/zenodo.161146.

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A business model is a set of process/activities that results in sustainable profit through desired revenue and customer value. The business model spells out how a company makes money by specifying its position in the value chain. A business model which uses electronic communication technology such as internet for exchanging information is called e-business model. The e-business model includes the roles and relationships among a firm's customers, allies, and suppliers; the major flows of product, services, information, and money; and the major benefits to the participants. This paper contains r

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Cavus, Nadire, Yakubu Bala Mohammed, Abdulsalam Ya’u Gital, et al. "Emotional Artificial Neural Networks and Gaussian Process-Regression-Based Hybrid Machine-Learning Model for Prediction of Security and Privacy Effects on M-Banking Attractiveness." Sustainability 14, no. 10 (2022): 5826. http://dx.doi.org/10.3390/su14105826.

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With recent advances in mobile and internet technologies, the digital payment market is an increasingly integral part of people’s lives, offering many useful and interesting services, e.g., m-banking and cryptocurrency. The m-banking system allows users to pay for goods, services, and earn money via cryptotrading using any device such as mobile phones from anywhere. With the recent trends in global digital markets, especially the cryptocurrency market, m-banking is projected to have a brighter future. However, information stored or conveyed via these channels is more vulnerable to different se

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Jaba, Iranna B. "A Study on Digital Transformation and the Role of M&A in Reshaping the Banking Industry." International Journal of Advance and Applied Research 5, no. 44 (2024): 76–86. https://doi.org/10.5281/zenodo.14709415.

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<strong>Abstract</strong> The study explores the profound changes that digital transformation and mergers and acquisitions (M&A) are bringing to the global banking sector, particularly in the context of 2024. The banking industry is undergoing a rapid evolution, driven by the advent of digital technologies such as artificial intelligence, blockchain, and data analytics, which are reshaping operational models, customer engagement, and service delivery mechanisms. The increasing reliance on digital banking platforms has led to enhanced customer experiences, operational efficiencies, and real

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Dewi, A. A. Putri Pintari, Made Gede Wirakusuma, and Gayatri Gayatri. "Pengukuran Keberhasilan Penggunaan Internet Banking di Bank Rakyat Indonesia Kota Denpasar." E-Jurnal Akuntansi 32, no. 2 (2022): 3608. http://dx.doi.org/10.24843/eja.2022.v32.i02.p02.

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This study assesses the success of using internet banking using the DeLone & McLean (D&M) model with the aim of measuring the success of using internet banking technology. The research was conducted at Bank Rakyat Indonesia (BRI) Denpasar City with 150 internet banking users as respondents who were selected through accidental sampling technique. The test results show that the quality of information, the quality of information systems, the quality of service has a positive effect on the interest in using internet banking and the interest in using it has a positive effect on the net bene

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Slazus, Barbara Jeanne, and Geoffrey Bick. "Factors that Influence FinTech Adoption in South Africa: A Study of Consumer Behaviour towards Branchless Mobile Banking." Athens Journal of Business & Economics 8, no. 1 (2022): 429–50. http://dx.doi.org/10.30958/ajbe.8-1-3.

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The widespread use of mobile phones and growth in internet penetration has created a unique opportunity to increase access to financial services. Financial Technology (FinTech) companies and mobile banking (m-banking) empower customers to use digital platforms to utilise financial services without the physical access requirements of traditional banking. This has led to the rise of FinTech firms that are disrupting traditional industry standards by servicing consumers through a range of digital channels and mobile devices. A new completely branchless bank, Bank Zero, is set to launch in South A

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Daramola, Kolawole, Ajeka Friday, and Enoch Yabkwa Yanshak. "Assessment of Single and Multi-Server Exponential Queuing Models in Banking System." International Journal of Scientific and Management Research 08, no. 06 (2025): 176–89. https://doi.org/10.37502/ijsmr.2025.8611.

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Queuing occurs when the number of customers awaiting service exceeds the system's service capacity, often leading to extended wait times and congestion. The banking sector in Nigeria is facing challenges related to prolonged queues, adversely impacting the nation's economic growth. This article assessed both single and multi-server exponential queuing models. Performance indicators for both single and multi-server queuing models, such as utilization factor, average queue length, average system length, average queue waiting time, and average system waiting time, were computed and analysed. The

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GNOATTO, ALESSANDRO. "COHERENT FOREIGN EXCHANGE MARKET MODELS." International Journal of Theoretical and Applied Finance 20, no. 01 (2017): 1750007. http://dx.doi.org/10.1142/s0219024917500078.

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A model describing the dynamics of a foreign exchange (FX) rate should preserve the same level of analytical tractability when the inverted FX process is considered. We show that affine stochastic volatility models satisfy such a requirement. Such a finding allows us to use affine stochastic volatility models as a building block for FX dynamics that are functionally-invariant with respect to the construction of suitable products/ratios of rates, thus generalizing the model of [A. De Col, A. Gnoatto & M. Grasselli (2013) Smiles all around: FX joint calibration in a multi-Heston model, Journ

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Kovela, Serhiy, Amanda Annandale, Brett Annandale, and Peter Jackson. "Integrating Theory and Practice of Banking M&A: Towards a Composite IT Integration Framework." International Journal of Business and Management 19, no. 5 (2024): 233. http://dx.doi.org/10.5539/ijbm.v19n5p233.

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This study integrates academic theory and extensive practitioner input to provide a comprehensive examination of post-merger IT integration practices within the banking sector. Leveraging the expertise of senior-level IT integration practitioners who collectively possess over 220 years of experience across 30 major banking M&amp;A transactions, this dual approach offers a richer, more nuanced understanding of the complexities involved in IT integration during mergers and acquisitions within the industry. The research underscores the necessity for a flexible, risk-based approach to post-mer

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Sufian, Fadzlan, and Muhamed-Zulkhibri Abdul Majid. "THE PERFORMANCE OF MERGERS AND ACQUISITIONS IN THE SINGAPORE BANKING SECTOR: AN APPLICATION OF TWO-STAGE BANKING MODELS." Labuan Bulletin of International Business and Finance (LBIBF) 5 (April 17, 2014): 67–96. http://dx.doi.org/10.51200/lbibf.v5i.1440.

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An event study window analysis of Data Envelopment Analysis (DEA) is employed in this study to investigate the effects of mergers and acquisitions (M&As) on Singapore domestic banking groupsâ€™ efficiency. The results suggest that the merger has resulted in higher Singapore banking groupsâ€™ mean overall efficiency post-merger. Despite that, from the scale efficiency perspective, the findings do not support for further consolidation in the Singapore banking sector. We found mixed evidence on the characteristics of efficiency on the acquirers and targets banks, hence, do not fully support t

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A. Abdou, Hussein, Olubunmi O. Agbeyo, Kirsten Jones, and Karim Sorour. "The impact of M&A on the Nigerian financial market: a pre-post analysis." Investment Management and Financial Innovations 13, no. 1 (2016): 138–50. http://dx.doi.org/10.21511/imfi.13(1-1).2016.01.

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This paper examines the impact of mergers and acquisitions (M&amp;amp;A) on the financial performance of the Nigerian market after consolidation. The authors use data from all Nigerian banks that survived the consolidation between 2001 and 2009. Logistic regression models are structured to determine the influence of M&amp;amp;A activities on the financial performance of the Nigerian market. Also, the authors critically evaluate the findings by shedding the light on the lessons other developing nations can learn from the Nigerian market. The results show that M&amp;amp;A have a posi

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D'Rosario, Michael. "Promoting Indigenous Financial Inclusion." International Journal of Information Systems and Social Change 9, no. 2 (2018): 1–11. http://dx.doi.org/10.4018/ijissc.2018040101.

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This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all

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Ali, Mohammed, and Xu Feng Ju. "The Antecedents of Information System Success in The Banking Industry." INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE AND BUSINESS ADMINISTRATION 5, no. 5 (2019): 43–58. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.55.1005.

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The transformation of various organizations into an innovative technology, specifically, information system (IS), should have a positive impact the flow of work procedure within the banking industry. The main aims of this study is to recognize the success of banking systems from users’ perspective, who work in banking industries. This study is motivating due to the rapid growth of applying IS in the banking industry’s in developing countries such as Sudan which is require more evaluation. In this study, the DeLone and McLean (D&M) model applied as one of the major models that assess the su

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Anton, George, Alexandra Cheptiş, Miruna-Mihaela Vasilca, and Alin-Ioan Vid. "Estimating the value creation probability of mergers and acquisitions events using option pricing models Evidence from Europe and USA." Proceedings of the International Conference on Business Excellence 16, no. 1 (2022): 203–16. http://dx.doi.org/10.2478/picbe-2022-0020.

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Abstract This paper is proposing a new research approach to mergers and acquisitions value creation analysis. By using option pricing models we propose a new methodology on how mergers and acquisitions decisions can be analyzed using a quantitative approach, especially suitable for conglomerate type of mergers and acquisitions, where cost and revenue synergies do not represent a direct or visible financial benefit. Currently, the M&A research field is focusing mainly on the stock returns or cost synergies by the horizontal types of M&A events. The main implications of the results prese

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Kyriazopoulos, Georgios. "European banks’ mergers and acquisitions: Rank value vs value of cash after the COVID-19 pandemic." Risk Governance and Control: Financial Markets and Institutions 14, no. 2 (2024): 88–98. http://dx.doi.org/10.22495/rgcv14i2p9.

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Mergers and acquisitions (M&As) deals are one of the most important bank strategies that can change the bank’s value and market share by achieving economies of scale. This paper studies mega M&As among European banks in 2023 and also examines how important is a number of crucial banking financial factors on the rank value including net debt and on value of cash in banks’ M&As. This study aims to see if there is any influence first on rank value including net debt and second on the value of cash from the selected important financial banking ratios to explain M&As. The findings s

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Abu Asab, Noura. "Evidence of customer sophistication behaviour in deposit markets: the case of Qatar." Journal of Economic Studies 47, no. 5 (2020): 1181–96. http://dx.doi.org/10.1108/jes-08-2019-0371.

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PurposeThe paper investigates the interest rate policy transmission mechanism and the role of market structure of the banking industry in Qatar.Design/methodology/approachCompetitiveness indexes are used to measure the degree of market power in the banking industry in Qatar. The momentum threshold autoregressive model is applied over the monthly period from January 2005 to June 2018 to examine the magnitude of intermediation and adjustment to disequilibria in the deposit market. In addition, to model interest rate volatility and overcome the problem of heteroscedastic errors in the error corre

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Vora, Stuti, Nidhi Thakkar, and Ravi Gor. "A Study of Performance Measures and Throughput of Raft Consensus Algorithm." International Journal for Research in Applied Science and Engineering Technology 11, no. 7 (2023): 862–69. http://dx.doi.org/10.22214/ijraset.2023.54751.

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Abstract: Due to its decentralised structure, blockchain technology has acquired great traction in fields such as banking, business, healthcare, and e-voting due to its decentralised nature. Because of the difficulty of lesser throughput, many blockchain systems have sought efficiency enhancements. Mathematical models such as Markov processes, queuing theory, and game theory are employed to analyze various aspects of blockchain systems, including mining processes, consensus mechanisms, and overall performance. This paper focuses on using M/M/1 queuing theory to analyze blockchain mining proces

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Zhao, Fang. "Taking a Strategic Alliance Approach to Enhance M-Commerce Development." International Journal of E-Business Research 6, no. 4 (2010): 26–37. http://dx.doi.org/10.4018/jebr.2010100103.

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Current m-commerce business models show that m-commerce depends on complex networks of business relationships, which often comprise telecommunications service providers, mobile device makers, banking industry, Internet search engine providers, and various third-party value-adding companies. Due to the nature of m-commerce, the key to success in m-commerce lies predominantly in managing a network of alliances. This paper answers research questions, such as why do companies team up for m-commerce? What are the key challenges facing the alliances? How can companies address the challenges? What do

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Haider, Muhammad Jamal, Gao Changchun, Tayyaba Akram, and Syed Talib Hussain. "Does gender differences play any role in intention to adopt Islamic mobile banking in Pakistan?" Journal of Islamic Marketing 9, no. 2 (2018): 439–60. http://dx.doi.org/10.1108/jima-11-2016-0082.

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PurposeTremendous growth and worldwide expansion of Islamic banking industry has gained widespread attention of economist, bankers, investors and financial experts regardless of economic and political volatility in global banking industry. To compete with conventional banking, Islamic banks are setting up themselves with innovative technologies to gain competitive edge and market share. The establishment of mobile banking has been proven a technological wonder by eliminating time and space boundaries, and one can access financial services anywhere and at any time. For effective market segmenta

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Jitendra Kumar and Mohd Mudassir. "A New Approach Of Multiple Merger And Acquisition (M &A) In AR Time Series Model Under Bayesian Framework." Statistics, Optimization & Information Computing 13, no. 6 (2025): 2616–33. https://doi.org/10.19139/soic-2310-5070-2029.

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Merger and acquisition (M\&As) concepts play a pivotal role in fostering economic development and are extensively examined worldwide across various empirical contexts, notably in the banking sector. The primary objective of this study is to introduce a novel approach termed the multiple-merger autoregressive (MM-AR) model, aimed at providing insights into the effects of mergers on model parameters and behaviour. Initially, we propose a comprehensive estimation framework utilizing posterior parameters within the Bayesian paradigm, incorporating diverse loss functions to enhance robustness.

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Srinivas Lakkireddy. "The societal impact of financial systems modernization in emerging markets." World Journal of Advanced Engineering Technology and Sciences 15, no. 2 (2025): 2588–97. https://doi.org/10.30574/wjaets.2025.15.2.0815.

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This article examines how the modernization of financial systems through cloud-native architectures is transforming financial inclusion across emerging markets. It explores how mobile-first banking solutions have disrupted traditional models, particularly in regions with limited banking infrastructure but widespread mobile adoption. The Kenyan M-Pesa system and India's Unified Payments Interface (UPI) serve as exemplary case studies demonstrating how technological leapfrogging enables previously excluded populations to access financial services. The article analyzes the technical architecture

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Banda, Nzovwa, Beatrice Matafwali, and Austin Mwange. "Regulatory Frameworks for Village Banking and Financial Inclusion: Comparative Lessons from Africa, South Asia, and the Middle East." East African Finance Journal 4, no. 1 (2025): 76–97. https://doi.org/10.59413/eafj/v4.i1.5.

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Village banking is a crucial informal financial mechanism that fosters economic empowerment, financial inclusion, and poverty alleviation, particularly in low-income communities. However, the sustainability and growth of village banking groups are often hindered by governance challenges, financial risks, and inadequate consumer protection, necessitating well-structured regulatory frameworks. This study conducts a comparative literature review to analyze the financial inclusion regulatory frameworks governing village banking in Africa, South Asia, Southeast Asia, and the Middle East. The findin

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Pezzuto, Ivo. "Editorial: COVID-19: The unexpected and disruptive event that will radically shake up and change the world as we know it." Risk Governance and Control: Financial Markets and Institutions 10, no. 4 (2020): 4–6. http://dx.doi.org/10.22495/rgcv10i4editorial.

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The fourth issue of the Risk Governance and Control: Financial Markets & Institutions journal (volume 10, issue 4) explores a number of stimulating subjects related to the future of finance, banking, and financial systems such as the impact of big banks’ digitalization and mergers and acquisitions (M&A) strategies on the sustainability of local banks’ business models and on their relationship with the territory; the factors affecting portfolio investment decisions in the emerging markets, or central banks’ mission to assure stability to the purchasing power of their currencies.

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Patmawati, Patmawati, and Meita Rahmawati. "Deteksi Financial Statement Fraud : Model Beneish M-Score, dan Model F-Score." E-Jurnal Akuntansi 33, no. 1 (2023): 34. http://dx.doi.org/10.24843/eja.2023.v33.i01.p03.

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The research aims to find out which model is most effective in detecting financial statement fraud by using the Beneish M-Score model and the F-Score model. The research population of the banking sector is listed on the Indonesia Stock Exchange for the period 2018 - 2020 with a total of 48 banks. The research sample totaled 40 banks using a purposive sampling method. The results of the study stated that by calculating the index using the beneficial M-Score model, it showed that there were indications of banks committing financial statement fraud in 2018 at 2.5%, in 2019 at 95% and in 2020 at 9

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Nwosu, M. C., K. E. Uhonmhoibhi, C. C. Okorie, and K. C. Odii. "Modeling of Queue Management System in Banking Industries." International Journal of Trend in Scientific Research and Development 2, no. 5 (2018): 1279–96. https://doi.org/10.31142/ijtsrd16973.

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This study determined the performance measures of a queue management system in FIRST Bank Nigeria Plc Nnamdi Azikiwe University, Awka. The variables measured include the arrival rate and the service rate from a three server system over a given period of time of the day. Quantitative research method was employed in collecting the data. The observed data was tested using chi square goodness of fit test to determine if the arrival rates are Poisson distributed and the service rates are exponentially distributed. Multiple channel queuing models were used in analyses. The mean arrival and service r

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Lazarides, Themistokles, Evaggelos Drimpetas, and George Kyriazopoulosr. "Mergers, liquidations and bankruptcies in the European banking sector." Risk Governance and Control: Financial Markets and Institutions 5, no. 2 (2015): 52–70. http://dx.doi.org/10.22495/rgcv5i2art6.

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The inactivity of banks may be the result of a number of events, such as merger & acquisition (M&A), liquidation, default-bankruptcy, etc. All these phenomena of inactivity contribute to the same result, the reform of the European banking sector and they may have the same causes. The paper will address the issue of inactivity and will try to detect its causes using econometric models. Six groups of indicators are examined: performance, size, ownership, corporate governance, capital adequacy or capital structure and loan growth. Three econometric methods (Probit, Logit, OLS) have been u

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Ronaldi, Alvin Destian, Alvi Choiriah, Ghina Asmalia, and Zathu Restie Utamie. "Analysis of the Implementation of Cashless Payment System Using Quick Response Code Indonesian Standard (QRIS) at the Cafeterias of UIN Raden Intan Lampung." Al-Mashrof: Islamic Banking and Finance 4, no. 1 (2023): 84. http://dx.doi.org/10.24042/al-mashrof.v4i1.17310.

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This research is classified as a type of qualitative descriptive research. Sources of data in this study use the types of primary data and secondary data. Data collection techniques include observations and interviews to find out information about the financing and payment models of the Cashless System which are developing and widely used in UIN Raden Intan Lampung. After getting the data through observation and interviews, the next is the method of data analysis. After getting the data, the next step is data reduction. This is done to make it easier for researchers when looking for data and m

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Enkono, Fillemon S., and Nalina Suresh. "Application of Machine Learning Classification to Detect Fraudulent E‑wallet Deposit Notification SMSes." African Journal of Information and Communication, no. 25 (June 30, 2020): 1–13. http://dx.doi.org/10.23962/10539/29195.

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Fraudulent e-wallet deposit notification SMSes designed to steal money and goods from m-banking users have become pervasive in Namibia. Motivated by an observed lack of mobile applications to protect users from such deceptions, this study evaluated the ability of machine learning to detect the fraudulent e-wallet deposit notification SMSes. The naïve Bayes (NB) and support vector machine (SVM) classifiers were trained to classify both ham (desired) SMSes and scam (fraudulent) e-wallet deposit notification SMSes. The performances of the two classifier models were then evaluated. The results rev

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Krasnova, Iryna, and Hanna Pylypenko. "Theoretical principles of the implementation of compliance in banking activities." Scientific notes, no. 32 (October 24, 2023): 42–54. https://doi.org/10.33111/vz_kneu.32.23.03.04.031.037.

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The concept of compliance is quite new for the domestic business environment, while international standards define it as one of the components of corporate governance. International and national legal norms and banking standards are constantly deepening and becoming more complex, which actually makes it difficult for ordinary employees to keep up with all the changes and comply with the requirements. The European integration vector of Ukraine’s development implies the need to adapt domestic regulatory and legal provisions that regulate banking activities. That is why the improvement of theoret

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Hsu, Erh-Chi, Eric Jutkowitz, and Kali Thomas. "THE ASSOCIATION BETWEEN DIGITAL TECHNOLOGY ACTIVITIES AND COGNITIVE DOMAINS OF COMMUNITY DWELLING OLDER ADULTS." Innovation in Aging 8, Supplement_1 (2024): 1218. https://doi.org/10.1093/geroni/igae098.3898.

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Abstract While prior research has established a relationship between digital technology use and improved cognitive function among older adults, the impacts of different technology activities on specific cognitive domains remain underexplored. This study examines associations between various technology activities and cognitive trajectories in community-dwelling older adults without dementia. We utilized repeated cross-sectional data from 5,596 participants in the National Health and Aging Trends Study (2015-2022). Technology activities included online shopping, banking, medication refills, soci

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Nur Ajizah, Sintia Dewi, and Agus Widarjono. "Indonesia Islamic Banking Stability in The Shadow of Covid-19 Outbreak." Jurnal Ekonomi Syariah Teori dan Terapan 10, no. 1 (2023): 57–68. http://dx.doi.org/10.20473/vol10iss20231pp57-68.

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ABSTRACT: The Covid-19 pandemic that has occurred in the world has harmed economies since 2020, especially Indonesia. Therefore, it is very important to study the impact of this pandemic on the stability of Islamic banking in Indonesia and examine potential signs of post-pandemic recovery. This study examines the stability of Islamic banking in Indonesia. Stability is measured using ROA and Z-score. The data in this study are panel data for Islamic Commercial Banks (BUS) and Islamic Business Units (UUS). The data used is quarterly data for 2016-2020. This study uses the Generalized Method of M

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Gowanit, Chupun, Natcha Thawesaengskulthai, Peraphon Sophatsathit, and Thitivadee Chaiyawat. "Mobile claim management adoption in emerging insurance markets." International Journal of Bank Marketing 34, no. 1 (2016): 110–30. http://dx.doi.org/10.1108/ijbm-04-2015-0063.

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Purpose – The purpose of this paper is to explore the adoption of a mobile insurance claim system (M-insurance) and develops a framework for the adoption of M-insurance by consumers. Design/methodology/approach – This study assesses mobile technology for claim management through the lens of the technology acceptance model (TAM) and diffusion of innovation (DOI) models as a major guideline, using exploratory research through in-depth interviews with four executive experts who are first movers in mobile claim motor insurance in Thailand. Semi-structured interviews and open-ended questions were u

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S., Jayashanthi. "A STUDY ON CAMEL ANALYSIS IN INDIAN BANK." International Journal of Current Research and Modern Education 2, no. 1 (2017): 256–61. https://doi.org/10.5281/zenodo.831162.

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The banking sector is one of the fastest growing sectors among the service. Current banking system is becoming more complex. To evaluate the performance of the banks many models is introduced by various authors, among that CAMELS Model is more popular to evaluate the performance of the banks because it measures the performance of the banks from each parameters like, C -Capital adequacy, A - Asset quality, M - Management quality, E - Earnings ability, L – Liquidity. The performance of the bank is evaluated through Camel Analysis. For this purpose the Secondary Data is collected from the annual

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Shounik, Shaurya. "Redefining Entry-Level Analyst Roles in M&A: Essential Skillsets in the Age of AI-Powered Diligence." American Journal of Applied Sciences 7, no. 07 (2025): 101–10. https://doi.org/10.37547/tajas/volume07issue07-11.

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The mergers and acquisitions field within investment banking is changing because artificial intelligence tools like natural language processing and machine learning are now part of everyday work. Historically, entry-level analysts performed extensive data-driven analyses crucial for executing transactions, but this role has been significantly influenced by the introduction of AI. This study explored how AI has altered the duties and skill requirements for junior analysts in M&A environments. A qualitative content analysis framework was used to synthesize insights from over 50 reports, jour

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Zhang, Wanqing. "Valuation Discrepancy of Coffee Chains in the US and China: A Capital Market Perspective." Advances in Economics, Management and Political Sciences 186, no. 1 (2025): 56–60. https://doi.org/10.54254/2754-1169/2025.bl23674.

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This paper investigates the valuation discrepancy between major coffee chains in the United States and China, focusing on Starbucks and Luckin Coffee. Although both firms demonstrate strong revenue growth, comparable business models, and digital innovation, their valuation multiples differ markedly in global capital markets. Starbucks commands significantly higher P/E and EV/EBITDA multiples compared to Luckin. This study applies a trading comparables framework to estimate Luckins implied value and explore the gap relative to market valuation. Furthermore, the research integrates structural va

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Islam, Nafiza Islam. "Factors Affecting Career Progression of Female Management Employees in Banking Sector." Inverge Journal of Social Sciences 2, no. 3 (2023): 1–18. https://doi.org/10.63544/ijss.v2i3.41.

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The main objective of this study is to investigate the variables influencing the career development of female management personnel in Bangladesh's banking industry. The study was focused on four separate research goals: determining how management views women's career advancement; determining whether juggling work and family obligations has an impact on female employees' career advancement; examining the influence of bank policies and practises on women's career advancement; and developing a framework for the professional advancement of female employees in Bangladesh's banking industry. The res

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Căpraru, Bogdan, Iulian Ihnatov, and Nicoleta-Livia Pintilie. "Bank competition and risk-taking in the European Union: Evidence of a non-linear relationship." Ekonomski anali 66, no. 230 (2021): 35–65. http://dx.doi.org/10.2298/eka2130035c.

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This paper assesses the impact of bank specialisation and business models on the relationship between competition and risk. We tested the non-linear relationship between bank competition and risk on an extensive sample of 5,119 European banks active during 2000-2018, using system GMM. The results confirmed the nonlinear relationship between competition and risk-taking. Cooperatives are better protected against liquidity risks and are more stable. Well-diversified banking entities take more risks than their counterparts, whereas larger institutions have a lower risk appetite and a higher exposu

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Verhun, Volodymyr, and Mykhailo Granchak. "M&A PREDICTIONS: RECONSIDERING THEIR VALUE, END-USERS, AND METHODOLOGIES." Actual Problems of International Relations, no. 160 (2024): 138–51. http://dx.doi.org/10.17721/apmv.2024.160.1.138-151.

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The article explores market participants who may benefit from M&A predictions and how their goals may impact the requirements for M&A predictions. These participants (also called end-users of M&A predictions) are company shareholders considering selling their business, shareholders and company management considering acquiring one or a few other companies, shareholders and company management competing with potential M&A targets or buyers, and advisory firms providing investment banking services in the industries where M&A deals occur. Analyzing their goals while applying M&a

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Jain,, Hardik. "Post Merger Financial Analysis: An AI & ML tool for Banks." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem30659.

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This paper models the significance of mergers and acquisitions (M&A) in reviving the growth of obsolete or low performing organizations. In line with adapting to the changing circumstances and limiting exposure to the volatility, higher level of capital backing is necessary which only consolidation can achieve (Mantravadi, 2007). Banks being economic institutions are expected to be more directly involved in inclusive growth by including the whole economy in the growth and development, therefore, to support this belief, merger and acquisition as a strategic tool is studied. M&A is consi

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Apollo, Apollo. "THE EFFECT OF STATEGIC MANAGEMENT ON MANAGERIAL PERFORMANCE WITH STRATEGIC IMPLEMENTATION AS A MODERATING VARIABLES (EMPIRICAL STUDY OF THE PULO GADUNG INDUSTRIAL AREA, JAKARTA)." Dinasti International Journal of Economics, Finance & Accounting 1, no. 4 (2020): 710–21. http://dx.doi.org/10.38035/dijefa.v1i4.547.

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This study aims to obtain empirical evidence of the influence of external factors, internal factors, strategic planning, strategic implementation on managerial performance. The research unit is 66 respondents on Banking in Jakarta. Methods of analysis tools using path analysis or a combination of correlation and regression to determine the effect of partially or simultaneously. This study was conducted with two models: 1st Model: Influence of External Factors (X1), Internal Factors (X2), Strategic Planning (X3), and the Strategic Implementation (M) on Managerial Performance (Y) either partiall

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Ku, Yu-Yen, and Tze-Yu Yen. "Heterogeneous Effect of Financial Leverage on Corporate Performance: A Quantile Regression Analysis of Taiwanese Companies." Review of Pacific Basin Financial Markets and Policies 19, no. 03 (2016): 1650015. http://dx.doi.org/10.1142/s0219091516500156.

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The effect of financial leverage on corporate performance has been debated. We reexamine the effect by using a sample of 6,630 observations from nonfinancial Taiwanese publicly traded companies during the 2008–2012 period, employing the quantile regression approach and comparing its results with the ones provided by conventional models (least squares and fixed effects). Our empirical results show that the effect of financial leverage on the corporate performance is not homogeneous among various quantile levels: the financial leverage destroys (enhances) companies with low (high) return on equi

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Dr., Swamynathan Ramakrishnan, and Malini Mittal Bishnoi Dr. "PROPOSITION DEVELOPMENT ON THE FINTECH EVOLUTION AND ITS IMPACT THE ON RETAIL BANKING SECTOR IN INDIA." Manager - The British Journal of Administrative Management 57, no. 145 (2021): 296–312. https://doi.org/10.5281/zenodo.5994925.

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<strong>ABSTRACT</strong> Fintech, that is financial technology is an emerging trend in the Indian financial market. Established financial institutions, start-ups, venture capitalists, and regulators are all interested in FinTech. FinTech, is already changing the banking industry. India's Fintech industry is expected to grow to $150 billion in the next five years. Fintech has the ability to disrupt conventional financial intermediaries, particularly banks, by creating new business models based on the use of big data. Artificial intelligence methods can be used to decode big data, leveragin

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Antora, Lima Akter, Sujan Chandra Paul, and Md Harun Or-Rosid. "Division wise Loan Disbursement and Profitability of Bank: Evidence from Bangladesh." ETIKONOMI 24, no. 1 (2025): 17–30. https://doi.org/10.15408/etk.v24i1.38326.

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Research Originality: Loan disbursing in economically and industrially developed divisions of Bangladesh have profound impact on a bank’s profitability remaining other factors in considerations.Research Objectives: This study aims to investigate the effect of divisional loan disbursement on profitability and financial health of the banking sector in Bangladesh.Research Methods: The analysis is based on panel data from 44 banks, totaling 520 observations over an eighteen-year period from 2005 - 2022. To conduct this study, different models like Ordinary Least Square (OLS), Pooled Ordinary Least

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Alfarizi, Muhammad, and Ngatindriatun. "Determination of the Intention of MSMEs Owners Using Sharia Cooperatives in Improving Indonesian Islamic Economic Empowerment." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 6 (2022): 834–49. http://dx.doi.org/10.20473/vol9iss20226pp834-849.

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ABSTRAK Penurunan profit bisnis kecil akibat implikasi ekonomi pasca pandemi COVID-19. Persoalan struktur permodalan menjadi kendala dalam mempertahankan dan meningkatkan usahanya secara terus menerus seiring kerubahan zaman. Koperasi Syariah sebagai salah satu lembaga keuangan Islam yang keislaman lebih dekat secara eksistensi maupun teritorial dengan masyarakat tingkat bawah sehingga menjadi alternatif pengembangan usaha masyarakat secara syariah sesuai persyaratan yang diberikan. Studi ini bertujuan untuk untuk menganalisis pengaruh literasi keuangan syariah dalam sikap, pengaruh sosial dan

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Bucaram Levarone, Martha, Francisco Quinde Rosales, Joy Mayorga Ramos, and Martha Bueno Quinonez. "Evaluation of the technical efficiency in the production of National Cocoa in the main cantons of the province of Guayas." Universidad Ciencia y Tecnología 25, no. 110 (2021): 14–22. http://dx.doi.org/10.47460/uct.v25i110.471.

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A comparative analysis of the technical efficiency in the production of national cocoa among the main producing cantons of the province of Guayas was carried out. For this, the study was based on an analysis with inductive reasoning and empirical-analytical paradigm, through the elaboration of surveys to 361 UPA's in the cantons of: Milagro, San Jacinto de Yaguachi, El Empalme, Alfredo Baquerizo Moreno, Naranjal and Simón Bolívar; these data served as the basis for the elaboration of the Data Envelopment Analysis (DEA) model. The results show that on average, the Simón Bolívar canton is the ca

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Abadiyah, Fajriyatul, and Hikmah Endraswati. "Analysis of Sharia Banking Share Valuation Using Intrinsic Value and Margin of Safety Method Graham Number." Jurnal Ekonomi Syariah Teori dan Terapan 10, no. 1 (2023): 16–26. http://dx.doi.org/10.20473/vol10iss20231pp16-26.

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ABSTRACT This study aims to analyze the valuation of Islamic banking stocks using the intrinsic value method and the margin of safety Graham number, and determine whether Islamic banking stocks are undervalued or overvalued. This research is included in the descriptive quantitative research. The data source used is secondary data obtained from www.idx.co.id and www.Indopremier.com, while the research sample selection technique uses a purposive sampling method with the criteria of companies that have been IPOs for more than five years and the number of samples found consists of three Islamic ba

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Anggun Adilah Maharani and Tika Widiastuti. "Determinants of Crowdfunder Intention on Using The Crowdfunding-Waqf Model: A Case Study of Kitabisa.Com Applications." Jurnal Ekonomi Syariah Teori dan Terapan 10, no. 3 (2023): 290–304. http://dx.doi.org/10.20473/vol10iss20233pp290-304.

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ABSTRACT This study aimed to analyze the influence of variable factors in the UTAUT2 (Unified Theory of Acceptance and Use of Technology) model on behavioral intention to use CWM (Crowdfunding-Waqf Model) in the Kitabisa.com application. The population used in this study were active users of the Kitabisa.com application, which are spread throughout Indonesia. Data collection techniques in this study used survey techniques by distributing questionnaires online to 174 respondents. The sampling technique used in this study was purposive sampling, which is a sampling technique with certain criteri

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Sreeramana, Aithal. "Factors Affecting Banker's Perspective On Mobile Banking." International Journal of Management, IT and Engineering (IJMIE) 5, no. 7 (2015): 28–38. https://doi.org/10.5281/zenodo.268816.

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Mobile banking is considered as potentially one of the most value added and important mobile services available. The technological changes in mobile networks, mobile devices, and the innovative attributes of mobile internet, advances in the theoretical framework of innovation in services allowed to develop a customer-centric analysis of m-banking value proposition. The critical factors in the diffusion/penetration of m-Banking, reasons for failure, and further prospects of success depend on various factors and are different for different countries. This paper analyze the significance of mobile

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Hassan, Mohamad, and Evangelos Giouvris. "Bank mergers: the cyclical behaviour of regulation, risk and returns." Journal of Financial Economic Policy 13, no. 2 (2021): 256–84. http://dx.doi.org/10.1108/jfep-03-2020-0043.

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Purpose The purpose of this paper is to examine the effects of bank mergers on systemic and systematic risks on the relative merits of product and market diversification strategies. It also observes determinants of M&A deals criteria, product and market diversification positioning, crisis threshold and other regulatory and market factors. Design/methodology/approach This research examines the impact and association between merger announcements and regulatory reforms at bank and system levels by investigating the impact of various bank consolidation strategies on firms’ risks. We estimate b

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Sukmawati, Heni, Iwan Wisandani, and Mega Rachma Kurniaputri. "Penerimaan dan Penggunaan Muzakki dalam Membayar Zakat Non-Tunai di Jawa Barat: Ekstensi Teori Technology of Acceptance Model." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 4 (2022): 439–52. http://dx.doi.org/10.20473/vol9iss20224pp439-452.

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ABSTRAK Strategi penghimpunan zakat infaq dan sedekah masa kini harus selaras dengan perkembangan teknologi dan perilaku masyarakat 5.0 (society 5.0), dimana Society 5.0 menciptakan masyarakat yang berbasis teknologi sehingga pembayaran zakat, infaq, dan sedekah non tunai harus memanfaatkan teknologi finansial seperti, mobile banking, ATM, QRIS, dompet digital maupun e-commerce. Tujuan penelitian ini yaitu guna mengetahui besarnya penerimaan dan penggunaan layanan teknologi finansial dalam membayar Zakat, Infaq, dan Sedekah (ZIS) menggunakan ekstensi Technology of Acceptance Model (TAM) dengan

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Riznyk, Viacheslav, and Oleh Kalmykov. "The financial mechanism of small enterprises innovation activities." University Economic Bulletin, no. 44 (February 12, 2020): 195–202. http://dx.doi.org/10.31470/2306-546x-2020-44-195-202.

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Relevance of the research topic. Increasing capital is one of the most important challenges for ensuring sustainability and growth opportunities for small enterprises both in Ukraine and abroad. Successful activities of small enterprises require constant competitive advantages through the implementation of innovative development models. Integration of Ukrainian enterprises into the global economy is impossible without investing in their innovative development, aimed at overcoming the economic lag behind developed countries, because in an era of dynamic globalization changes, competitiveness de

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