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Journal articles on the topic 'Market of deposit services'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Akimova, Lyudmila Nikolayevna, and Alla Vasilievna Lysachok. "STATE REGULATION OF THE FINANCIAL SERVICES MARKET IN UKRAINE." UKRAINIAN ASSEMBLY OF DOCTORS OF SCIENCES IN PUBLIC ADMINISTRATION 1, no. 12 (2018): 30–47. http://dx.doi.org/10.31618/vadnd.v1i12.47.

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The essence of such concepts is “financial service”, “financial services market”, and “participants of the financial services market”; determined the purpose of state regulation of the financial services market; forms of state regulation of the financial services market; financial services that are present in the financial services market; the structure of state regulation bodies of the financial services market in Ukraine is given; The role of state bodies in the regulation of the financial services market was studied; to characterize the regulatory legal regulation of the financial services

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Paul, Pascal, and Mauricio Ulate. "A Macroeconomic Model of Central Bank Digital Currency." Federal Reserve Bank of San Francisco, Working Paper Series 2024, no. 11 (2024): 01–83. http://dx.doi.org/10.24148/wp2024-11.

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We develop a quantitative New Keynesian DSGE model to study the introduction of a central bank digital currency (CBDC): government-backed digital money available to retail consumers. At the heart of our model are monopolistic banks with market power in deposit and loan markets. When a CBDC is introduced, households benefit from an expansion of liquidity services and higher deposit rates as bank deposit market power is curtailed. However, deposits also flow out of the banking system and bank lending contracts. We assess this welfare trade-off for a wide range of economies that differ in their l

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Akimova, Lyudmila Nikolayevna, and Alla Vasilievna Lysachok. "STATE REGULATION OF THE FINANCIAL SERVICES MARKET IN UKRAINE." UKRAINIAN ASSEMBLY OF DOCTORS OF SCIENCES IN PUBLIC ADMINISTRATION 1, no. 11 (2018): 30–47. http://dx.doi.org/10.31618/vadnd.v1i11.12.

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   The essence of such concepts is “financial service”, “financial ser- vices market”, and “participants of the financial services market”; determined the purpose of state regulation of the financial services market; forms of state regu- lation of the financial services market; financial services that are present in the financial services market; the structure of state regulation bodies of the financial services market in Ukraine is given; The role of state bodies in the regulation of the financial services market was studied; to characterize the regulatory le- gal regulation

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4

Shearer, Ronald A., and John F. Chant. "The Market for Financial Services: Deposit Taking Institutions." Canadian Public Policy / Analyse de Politiques 16, no. 2 (1990): 227. http://dx.doi.org/10.2307/3550978.

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Ivanov, Serhii, Svitlana Yudina, Svitlana Hanziuk, Tamara Gurzhiy, and Olena Lysa. "Factors affecting the market of household bank deposits in Ukraine." Economic Annals-ХХI 190, no. 5-6(2) (2021): 98–108. http://dx.doi.org/10.21003/ea.v190-09.

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Ukraine currently needs additional investment resources in order to revitalize and develop the economy. The main objective of the study is to determine the regularities, peculiarities behind the formation of organized population’s savings and assess the factors influencing the development of this market in order to improve the quality of its management and use of the potential of domestic investment resources for economic recovery and growth in Ukraine. In order to compare the trends as for the accumulation of savings through deposit investment, the authors analyzed the impact of major factors

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Mohammed, Nafisah, Azmafazilah Jauhari, and Nadzirah Mohammed. "CUSTOMERS’ DEPOSIT BEHAVIOUR IN DUAL BANKING INDUSTRY: A MARKET STRUCTURE ANALYSIS." Journal of Nusantara Studies (JONUS) 5, no. 1 (2020): 356–77. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377.

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Background and Purpose: The aim of this paper is to evaluate public acceptance toward Islamic banking system in Malaysia by using the market structure analysis as proposed in industrial organizational studies. The structural approach framework was used to evaluate the nature and changes of market concentration in the Malaysian Islamic and conventional deposit markets.  Methodology: The well-known market concentration measure, namely concentration ratio (CR) is calculated to study the changes in saving behaviour among depositors in both banking markets. The concentration ratios of d

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D’yachenko, T. G. "Significant conditions of the bank deposit agreement under the civil legislation of Ukraine." INTERPRETATION OF LAW: FROM THE THEORY TO THE PRACTICE, no. 12 (2021): 282–87. http://dx.doi.org/10.33663/2524-017x-2021-12-47.

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In the article the author investigates the essential terms of the bank deposit agreement. In the course of the research the author analyzes the requirements to the content of the bank deposit agreement established by the Central Committee of Ukraine and special legislation, including the Law of Ukraine «On Financial Services and State Regulation of Financial Services Markets» and regulations of state regulators in the banking services market. Based on the analysis, the author concluded that the terms of the contract (in particular, essential) relate to the contract as a transaction and not as

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8

Mulyk, Tetiana. "Analysis of Bank Deposit Operations: Condition, Problems and Improvements." Modern Economics 28, no. 1 (2021): 75–84. http://dx.doi.org/10.31521/modecon.v28(2021)-11.

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Abstract. Introduction. The determining share of bank resources is formed in the process of implementation of deposit operations, the productivity of which depends on the stability, sufficiency and liquidity of banks. They need to systematically maintain proper customer service, use the latest deposit products and investment requirements to expand their customer base. That is why the assessment of the bank's deposit operations, identifying their problems and areas for improvement is very important. Purpose. The purpose of the article is to study the state of deposit operations of domestic bank

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Tarasenko, Olena, Maksym Dubyna, and Olha Popelo. "THE ESSENCE OF THE DEPOSIT BEHAVIOR OF HOUSEHOLDS AND FEATURES OF ITS FORMATION IN THE CONDITIONS OF TURBULENT DEVELOPMENT OF THE FINANCIAL SERVICES MARKET." Baltic Journal of Economic Studies 8, no. 1 (2022): 134–47. http://dx.doi.org/10.30525/2256-0742/2022-8-1-134-147.

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Financial resources of households in most developed countries are the largest in volume, stable in terms of the development of the financial services market and economy as a whole. It is the development of the mechanisms for attracting these funds from economic entities, knowledge of the process of making financial decisions, is an important and integral part of forming a solid foundation for sustainable economic development. Accordingly, conducting research in this area is relevant and necessary. Thus, theoretical and methodological provisions for the formation of deposit behavior of househol

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Penikas, H. I. "Premium for implicit deposit insurance within Russian state banks." Voprosy Ekonomiki, no. 10 (October 11, 2021): 89–112. http://dx.doi.org/10.32609/0042-8736-2021-10-89-112.

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Deposit insurance system (DIS) exists for 17 years in Russia. The major deposit market share belongs to state banks. Ordinary depositors may perceive the status of the bank state ownership to reflect additional deposit safety, even in the excess of the DIS limits. Such a situation is called an “implicit deposit insurance” in the literature. By offering a sort of implicit deposit insurance services state banks might underprice the deposits in excess of DIS limits compared to the private banks. We utilize data from the open sources to measure the scale of the implicit deposit insurance pricing i

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GUL’MAGOMEDOVA, G. A., S. A. GAMZATOVA, and P. M. SHABANOVA. "DEPOSIT AND CREDIT RETAIL SERVICES IN THE REPUBLIC OF DAGESTAN." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4, no. 12 (2020): 73–79. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.04.011.

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In modern conditions, credit organizations are developing and offering an increasing number of products and services on the market, and the provision of retail banking services to the population is becoming a promising area of banking activity, especially in regions where the market is poorly developed, and the potential of the population's solvency is growing. The purpose of the work is to analyze and assess the situation in one of the banking services segments of the Republic of Dagestan – retail banking services in terms of Deposit and credit services in this region.

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Cherkashуna, Kateryna. "The impact of COVID 19 on Deposit Policy in Ukraine and Proposals for its Improvement." Modern Economics 28, no. 1 (2021): 160–67. http://dx.doi.org/10.31521/modecon.v28(2021)-23.

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Abstract. Introduction. The trend of deposit policy of banks in Ukraine during the past five years is examined in the article. Deposit is the most important resource of banks. It is source for loans, investment and other activities. Purpose. The task was to investigate the extent to which the overall dynamics of bank deposits in Ukraine was affected by the Covid-19 in comparison with non-crisis years. Results. The situation in the deposit services market can be explained by two main reasons: the motive of caution, as well as the introduction of lockdowns, which helped to reduce the purchase of

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Mueni, Lucia, Gordon Opuodho, and Agnes Wanjiru Njeru. "Market Risk and Financial Performance of Deposit Taking Micro Finance Banks Kenya." International Journal of Innovations and Interdisciplinary Research (IJIIR) ISSN 3005-4885 (p);3005-4893(o) 3, no. 1 (2025): 1–14. https://doi.org/10.61108/ijiir.v3i1.159.

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Microfinance banks provide small-scale financial services, including loans, savings, and money transfers, to marginalized communities. However, they face significant credit risk due to unsecured lending and the limited credit history of borrowers. This risk is heightened by rapid technological changes and evolving market conditions, which threaten their financial stability. To maintain profitability, microfinance banks must adopt effective credit risk management strategies to assess and mitigate exposures that could impact their financial performance. Therefore, this study sought to examine ho

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Idris, Abuh Astor, Chiekezie Obianuju Mary, and Madu Ikemefuna. "Operational Services of Automated Teller Machines (ATMs) and Market Performance of Money Deposit Banks in River State." International Journal of Research and Innovation in Social Science VII, no. X (2023): 1667–79. http://dx.doi.org/10.47772/ijriss.2023.701128.

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Technologies affect the trend of an economy and its competence for sustainable development. Generally, this study examines the effect of service rate on market development in the money deposit banks in River State. Specifically, the study investigates how service charge affects the profitability of money deposit banks in River State. Data were collected from selected ATM users at high density urban centres of Obio/Akpor, Khana, Ogba-Egbema-Ndoni, Abua-Oduai, Etche, Degema, Okirika, Gokana, Khana and Ahoadain River State. The data generated relates to the Operational Services of Automated Telle

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Yazlyuk, Borys, Anatoliy Guley, Ruslan Brukhanskyi, Hanna Shovkoplias, and Tetiana Shvydka. "Basic principles of financial markets regulation and legal aspects of the legislative requirements." Investment Management and Financial Innovations 15, no. 1 (2018): 337–49. http://dx.doi.org/10.21511/imfi.15(1).2018.28.

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Financial services market (FSM) is one of the effective mechanisms for ensuring the competitiveness of the country’s economy. It is precisely because of its ability to direct investment flows into the most attractive segments of the economy, and the FSM development can contribute to economic growth. Accordingly, today it is important to strengthen the financial services market in Ukraine. For this purpose, it is necessary to study the current state, identify problems and determine the main directions of its development in a timely manner.The article investigates the financial services market i

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Kim, Kyung Soo, Kyu Hyun Ji, Sung Ho Choi, and Choi Chang Gyu. "A Study on the Management Stability in Private Rental Housing Market." Korean Association for Housing Policy Studies 30, no. 2 (2022): 141–59. http://dx.doi.org/10.24957/hsr.2022.30.2.141.

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This study analyzed the factors affecting the actual residence period of tenants using limited data, based on the recognition that the supply of private rental housing can play an important role in establishing housing stability for the middle-income class. The most important result confirmed by the empirical analysis is that the larger the amount of Jeonse-Deposit, which can be understood as the size of total housing services, the longer the period of residence becomes in the private rental housing markets. From the perspective of private rental housing management, it is understood that an in

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Lamichhane, Pitambar. "Depositors’ perception on performance in Nepalese commercial banks." Management Dynamics 23, no. 1 (2020): 21–36. http://dx.doi.org/10.3126/md.v23i1.35541.

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This paper analyzes bank depositors’ perception in relation to factors explaining performance of banks in Nepal. This study has applied descriptive and explorative research design to analyze factors affecting bank performance. A survey was made to collect data from bank depositors using structural questionnaire in Kathmandu valley in 2019. Survey result reveals that Nepalese depositors prefer to deposit money in commercial banks because of easy access but are not satisfied with e-banking services. Most of depositors have no ownership in banks and feel interest rate on deposits is less than exp

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18

Nosa, I., and V. Skrypnyk. "Legal characteristics of the bank deposit (deposit) agreement." Analytical and Comparative Jurisprudence, no. 1 (July 2, 2022): 61–65. http://dx.doi.org/10.24144/2788-6018.2022.01.11.

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Holding on the deposit of funds are their transfer in cash or non-cash in foreign, or national currency, banknote or bank currency and at the expense of the owner for compliance under certain conditions in accordance with the contract. The agreement of the bank deposit is concluded in writing. If the bank's deposit agreement or certificates and other documents that meet the requirements of the bank's legislation, regulations or other provisions which corresponds to the written form of the bank deposit agreement (bank rules) and the customs of business. The agreed condition that the

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Frolov, Serhiy, Maksym Ivasenko, Mariia Dykha, Iryna Shalyhina, Vladyslav Hrabar, and Veronika Fenyves. "Interaction between decentralized financial services and the traditional banking system: A comparative analysis." Banks and Bank Systems 19, no. 2 (2024): 53–74. http://dx.doi.org/10.21511/bbs.19(2).2024.05.

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This paper investigates the interaction between decentralized financial services and the traditional banking system by building VAR models, conducting Granger causality tests, building impulse response functions, and performing variance analysis. To implement the model, banking indicators of the USA, India, and Great Britain were selected: the volume of commercial and industrial loans, interest rate, consumer price index, total liabilities and capital of banks, aggregate deposits, federal funds rate (for the USA), and repo rate (for India). The study examined central bank data of the specified

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Mongare, Mackline Kerubo. "Relationship between Financial Services, Central Bank Regulations and Agency Banking Performance in Kenya." African Journal of Commercial Studies 3, no. 3 (2023): 191–98. http://dx.doi.org/10.59413/ajocs/v3.i3.6.

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The global business environment is undergoing significant changes marked by intense competition, and the banking industry is no exception. In response to these dynamics, commercial banks are increasingly embracing innovation, with agency banking emerging as a notable addition. This study explores the determinants of financial performance in agency banking in Kenya. The theoretical framework guiding this investigation incorporates agency theory and competitive advantage theory. The study identifies key influencers of agency banking performance, such as financial service accessibility, transacti

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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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Bidabad, Bijan. "Stabilizing Business Cycles by PLS Banking and Ethic Economics." International Journal of Shari'ah and Corporate Governance Research 2, no. 1 (2019): 67–82. http://dx.doi.org/10.46281/ijscgr.v2i1.284.

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In addition to discuss economic cycle’s theories in this paper by decomposing money market into two markets of "saving-depositing" and "investment-credit facilities", we study the time structure behavior of depositor-bank-investor and conclude that the traditional banking structure creates fluctuations in money sector and interest rate. These fluctuations affect the real sector through saving and investment and undulate the economy as well. Mathematical derivations show that banking structure is one of the main factors of economic cycles. Therefore, the abolition of usury (Riba) is proposed as

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Situ, Weier, Yongqing Zhang, Xiting Lyu, and Wei Zhang. "Optimal presale strategy under the deposit inflation mode: Ordinary or sinking strategy." PLOS ONE 20, no. 3 (2025): e0315275. https://doi.org/10.1371/journal.pone.0315275.

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In the context of the rapid development of e-commerce, the advanced selling strategy has become an important means widely used by online retailers, and the innovation of this advanced selling strategy has been extended to the logistics service level. Based on the consumer utility theory, combined with the strategic behavior of consumers, this paper compares the advantages and disadvantages of ordinary pre-sale strategy (OPS) and sinking pre-sale strategy (SPS) under the deposit inflation mode. The research results show that when consumers have a high level of awareness of logistics services an

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Sagwa, Evans Vidija, and Appolonius Shitiabai Kembu. "Influence of Firm Size on Performance of Deposit Taking Savings and Credit Cooperative Societies in Nairobi County, Kenya." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 17, no. 2 (2021): 29. http://dx.doi.org/10.21013/jmss.v17.n2.p2.

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The Savings and Credit Cooperative Societies (Saccos) in Kenya have made a tremendous contribution to national development which is responsible for about 45% of Gross Domestic Product and 31% of national savings and deposits. Deposit Taking Saccos (DTSs) have enabled cooperative societies to diversify their products and services in a highly competitive market. Those who patronize the services of DTSs have options of accessing similar services from other service providers like commercial banks and non-banking financial institutions that may enjoy economies of scale due to their size. However, s

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Ibiwumi, Ajila Moriliat, Adegbola Eunice Abimbola, Abdullahi Shehu Araga, Daha Tijani Abdurrahaman, J. Alabi, and Jacob Abu. "Digital Marketing and Consumer Behaviour of Selected Deposit Money Banks in Lagos State, Nigeria." International Journal of Business and Management Review 12, no. 1 (2024): 38–51. http://dx.doi.org/10.37745/ijbmr.2013/vol12n13851.

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The banking sector is a service-based industry that offers a variety of financial services to customers. To improve their market share, banks often fight for consumers. The boundaries between sectors are being blurred by digital technologies. With the introduction of digital marketing by banks and the ability for deposit money institutions to effectively listen to and track brand discussions, a substantial new potential for achieving desired consumer behavior has emerged. Traditional cash transactions and physical banking remain popular in Nigeria, despite the growing use of the internet in th

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Wagdi, Osama, Ream N. Kinawy, and Ghada Nabil. "Machine Learning for Predicting Deposits Bank Market Shares in Emerging Markets: Evidence from Egypt." Revista Gestão & Tecnologia 23, no. 4 (2023): 473–92. https://doi.org/10.20397/2177-6652/2023.v23i4.2729.

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The study investigated machine learning for predicting deposit bank market shares in Egypt as emerging markets. The examination encompasses the years 2014 to 2022, based on the Egyptian banks listing on the Egyptian exchange. The study sampled 11 banks based on artificial neural networks ANN under the economic growth rate, interest spreads, required reserve ratio, capital adequacy requirements, style of bank, number of branches, number of ATMs, number of cards, and number of e-banking services. The study found that artificial neural networks can explain changes in the market shares of Egyptian

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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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Brus, Svitlana, and Yevhen Bublyk. "The market of banking services to population: the crisis of confidence, and its impact on perspectives of overcoming." Ukrainian society 2012, no. 2 (2012): 51–66. http://dx.doi.org/10.15407/socium2012.02.051.

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In the article have been described main features of commercial banks politics in the field of deposit and credit services for the physical persons during the current financial crisis. There are considered reasons of declining people trust to the banks and tendency to change bank politics according to act of intensifying crisis of trust and credit resources shortage. Researched problems of reactivation commercial banks credit activity in modern economic conditions.

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ALEKSEYENKO, Lyudmyla. "THEORETICAL AND CONCEPTUAL APPROACHES TO DEPOSIT INSURANCE IN THE CONTEXT OF GLOBAL FINANCIAL INCLUSION." WORLD OF FINANCE, no. 4(81) (2025): 167–79. https://doi.org/10.35774/sf2024.04.167.

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Introduction. Financial inclusion is an important factor that can positively influence the stability of the banking system by enhancing its resilience through the engagement of a more balanced customer base and reducing the risk of bankruptcy due to more even income distribution and risk diversification. The scientific discourse on deposit insurance systems and mechanisms for resolving distressed banks is becoming increasingly relevant as critical elements of financial stability. These mechanisms have a direct impact on global financial inclusion by fostering trust in the banking system, which

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Mokropulo, A. A. "FORMING OF MODEL OF FINANCIAL SAFETY OF CORPORATION AS BASIS OF INVESTMENT ATTRACTIVENESS OF REGION." Scientific bulletin of the Southern Institute of Management, no. 4 (December 30, 2016): 28–32. http://dx.doi.org/10.31775/2305-3100-2016-4-28-32.

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The problem of operational service enterprises in the commercial Bank has got a special urgency. In difficult conditions of a rigid competition, banks are trying to keep the advantages to save in the money markets. Therefore, modern credit institution is ready to offer its actual and potential customers the most favorable and attractive conditions for payment operations, credit operations and operations on attraction in deposits or currency conversion. Relations of credit organisations with clients is very diverse: traditional cash management services, credit services, cash payments, operating

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Timofeeva, Tatiana F., and Inna N. Skuratova. "ISSUES OF PROTECTING CITIZENS' RIGHTS IN THE FIELD OF FINANCIAL SERVICES." Oeconomia et Jus, no. 4 (December 27, 2023): 96–103. http://dx.doi.org/10.47026/2499-9636-2023-4-96-103.

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Today, in the Russian Federation, situations of violating the rights and interests of consumers of financial services are quite often allowed, which negatively affects the economic situation of citizens and undermines confidence in the banking system of the state. The purpose of the study is to analyze the judicial practice and to develop recommendations for consumers of savings services and services on providing borrowed (credit) funds, compliance with which will significantly reduce the risks arising from concluding and executing bank deposit and loan agreements. Materials and methods. The m

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Ismaeel Najim, Saja, and Yousif Aftan Abdullah. "The Role of credit and Deposit Services in Enhancing the Market Value of Stocks (The Case of Baghdad Bank)." Journal of Economics and Administrative Sciences 30, no. 144 (2024): 373–85. https://doi.org/10.33095/e73a4n91.

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Purpose: Understanding and analyzing the role of certain banking operations in enhancing the value of the stocks of the banks included in the study sample, in addition to measuring the correlation between the research variables. Conceptual framework : The research examined the study of banking operations and their role in enhancing the market value of shares in the Bank of Baghdad, and in light of the competition witnessed by Iraqi commercial banks, especially in light of the great similarity in the services allowed to be provided, in compliance with the Central Bank's instructions, and the de

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Karakaya, M. Fatih. "The indebted consumer: A microsociological analysis of the non-performing loan market." Revista Española de Sociología 34, no. 2 (2025): a260. https://doi.org/10.22325/fes/res.2025.260.

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Despite efforts, default remains a reality of credit relations, leading to the emergence of non-performing loan (NPL) markets. In these markets, specialized firms purchase bad loans at discounted rates, aiming to collect debts or resell them. With unsecured consumer credits comprising a significant portion of NPL purchases, the exponential growth of the consumer credit market in Türkiye has exacerbated NPL issues. Following the 2001 banking crisis, the Savings Deposit Insurance Fund facilitated the sale of NPLs to asset management companies (AMCs), a practice later adopted by private banks. De

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ROUSSEAU, PETER L. "The Market for Bank Stocks and the Rise of Deposit Banking in New York City, 1866–1897." Journal of Economic History 71, no. 4 (2011): 976–1005. http://dx.doi.org/10.1017/s002205071100221x.

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The rapid growth of deposits in New York over the late nineteenth century is often attributed to the release of pent-up demand for transactions services. I advance a complementary explanation that emphasizes the market for bank shares. The stock market was important because it generated quotations that signaled depositors about the condition of individual banks as innovations in banking practices allowed confidence to grow. A new database of prices, dividends, and balance sheet items for traded banks and a series of dynamic panel models show that fluctuations in bank prices influenced the cour

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Fauzi Wicaksana, Achmad Adnan, and Raditya Sukmana. "NFLASI DI INDONESIA PADA PERIODE 2011-2015: ANALISIS SERTIFIKAT BANK INDONESIA, SERTIFIKAT BANK INDONESIA SYARIAH, PASAR UANG ANTAR BANK, PASAR UANG ANTAR BANK SYARIAH, FINANCE TO DEPOSIT RATIO DAN LOAN TO DEPOSIT RATIO." Jurnal Ekonomi Syariah Teori dan Terapan 5, no. 12 (2019): 1070. http://dx.doi.org/10.20473/vol5iss201812pp1070-1085.

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This study aims to examine the effect of monetary policy transmission through conventional and sharia systems to the inflation rate in Indonesia from January 2011 to December 2015. The approach used is Vector Error Correction Model (VECM)quantitative method using Eviews 8 program. The data used was secondary data from the official website of Bank Indonesia and the Financial Services Authority (Otoritas Jasa Keuangan/OJK). The result of the research shows that in the long run, conventional monetary policy transmission has aneffect on inflation rate in Indonesia, namely the interest rate of Bank

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Mose, Naftaly, and John Thomi. "The Determinants of Financial Inclusion." Financial Internet Quarterly 17, no. 2 (2021): 51–58. http://dx.doi.org/10.2478/fiqf-2021-0013.

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Abstract There are hosts of dynamics contributing to financial inclusion. These sources may be both from the demand side and supply side. The government and financial institutions use several policy initiatives to encourage the supply of financial services to the excluded sector. However, the demand-side factors of financial access have attracted little focus. This study provides an overview of sources of financial inclusion and highlights the policy measures from the perspective of consumers of financial services – also known as the demand-side. The secondary series data were estimated using

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Nesterenko, Oksana O., and Vitalii O. Ponomarenko. "Marketing Strategies for Promoting Escrow Services in the Financial Market." Business Inform 1, no. 564 (2025): 486–96. https://doi.org/10.32983/2222-4459-2025-1-486-496.

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Studying the mechanism for implementing escrow accounts in Ukraine is of significant relevance, as their use will contribute to the development of the economy, increase the level of trust and security in online transactions, and ensure efficient protection of the rights and interests of market participants. The aim of the article is to develop and substantiate efficient marketing strategies for promoting escrow services in the financial market of Ukraine, taking into account the specifics of regulatory legal regulation, the current state of the market, and the need to build consumer trust in t

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Dayag, Antonio Jaramillo, and Fernando L. Trinidad. "What What Drives Stock Market Performance of Banks / Universal Banks? A Critical Examination of Literature." International Journal of Finance & Banking Studies (2147-4486) 8, no. 3 (2019): 51–57. http://dx.doi.org/10.20525/ijfbs.v8i3.492.

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Universal banks combine commercial loan services and public deposit functions with investment, and other services such as home and auto financing, mutual funds, pension and insurance to name a few. The importance of universal banks have been recognized in emerging economies, and its growth spur economic growth and development of many countries in the world. Most universal banks are listed in stock exchanges, and as financial intermediaries, not only these banks expand their already wide portfolios but they allow more global investors into the fold, almost like a foreign direct investor, the di

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Sirakova-Yordanova, Gergana. "Banks Go Beyond Banking: The Expansion Towards Non-Banking Services." Proceedings of the International Conference on Business Excellence 18, no. 1 (2024): 391–404. http://dx.doi.org/10.2478/picbe-2024-0034.

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Abstract Banks are traditionally seen as providers of financial services such as deposit-taking, lending, and payment services. In recent years, banks expand their range of services to include non-banking services far beyond that to encompass an ever-widening scope of conveniences for the customer. Certain banks are gradually going beyond traditional banking engaging in services related to everyday lifestyle activities, mobility, entertainment, dining, and e-commerce, stepping on the opportunities provided by the digitalization and in collaboration with third parties. The observed trend is dri

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Nguyễn Vũ Hoài, Ân, and Võ Thị Ngọc Thúy. "Factors affecting of bank selection decisions to saving deposits by individual customers in Ben Tre province." Science & Technology Development Journal - Economics - Law and Management 5, no. 1 (2021): 1242–52. http://dx.doi.org/10.32508/stdjelm.v5i1.730.

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The purpose of this article is to determine and measure factors affecting the decision of choosing a bank for saving deposits of individual customers in Ben Tre province. With a convenient sampling of 279 customers aged between 20 and 65, the obtained data is analyzed by the Reliability Analysis, Exploratory Factor Analysis, and Binary Logistic regression analysis. The result suggests that contrary to assertions in previous studies, Bank Reputation does not impact individual customers' decisions when choosing the bank to deposit. Besides that, (1) Convenience, (2) Service quality, (3) Bank tec

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RUBLEVA, Tat’yana A. "Investment mortgage as an innovative banking product in the real estate financing market." Finance and Credit 27, no. 11 (2021): 2637–56. http://dx.doi.org/10.24891/fc.27.11.2637.

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Subject. This article discusses the role of investment mortgage in overcoming the crisis of attracting deposits by credit institutions and stimulating the investment activity of households in the real estate financing market. Objectives. The article aims to define particularities of investment mortgage and prospects for its development in the real estate funding market, and ways to improve the quality of mortgage bonds in the investment mortgage segment using artificial intelligence technologies in underwriting. Methods. For the study, I used the systems approach, comparative and logical analy

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Abramov, Alexander, Alexander Radygin, and Maria Chernova. "Determinants of Private Investors’ Behavior on Russian Stock Market." Economic Policy 15, no. 3 (2020): 8–43. http://dx.doi.org/10.18288/1994-5124-2020-3-8-43.

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The article explores behavior features of different group of private investors on the Moscow and Saint Petersburg stock exchanges. It was found that the change in the size of the biggest group of registered broker clients on Moscow Exchange depended heavily on growth of real income and key characteristics of passive forms of income, such as deposit rates, government bond returns and stock dividend yield. Active broker clients on the Moscow stock exchange mainly focused on more speculative factors, such as equity premium, equity volatility, foreign stocks’ returns and exchange rate. The growth

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Afolabi, Adeoye Amuda. "Microfinance bank and entrepreneurship development in an emerging market." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 56–65. http://dx.doi.org/10.22495/rcgv6i4art8.

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We determine how Microfinance Banks (MFBs) impacts on entrepreneurship development in Nigeria. Data were collected through structured interview from entrepreneurs, Microfinance Bank managers and Regulators. The finding revealed that non-financial services of Microfinance Banks contribute to the survival of entrepreneurs and there is indication that Microfinance Banks enhance the productivity of entrepreneurship. This finding supports the evidence from the Central Bank of Nigeria (CBN) that there is an increase in total assets, Investment and Deposit Liabilities of MFBs in recent times. Beside

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Nguyen, Thao, Thong Dao, and Jeremy Cheah. "BANK EFFICIENCY AND GOVERNANCE: EVIDENCE FROM JOINT VENTURE AND FOREIGN COMMERCIAL BANKS IN VIETNAM." Applied Finance Letters 12, no. 2 (2023): 41–56. http://dx.doi.org/10.24135/afl.v12i2.656.

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In this paper, we intend to examine the influence of national governance on the bank efficiency of joint venture and foreign commercial banks in Vietnam. Joint venture and foreign commercial banks have been instrumental in introducing new financial products to the Vietnamese market (e.g., mortgage services and medium-term certificates of deposit). At the same time, they have also penetrated the retail market through automobile and housing loans, and international credit card services. We use the DEA double bootstrap method to develop a bank network function to evaluate bank efficiency. The fin

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Liang, Hsin-Yu, and Alan Reichert. "Exploring the finance and growth relationship for emerging market economies." Journal of Economic and Financial Sciences 4, no. 2 (2011): 275–300. http://dx.doi.org/10.4102/jef.v4i2.321.

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This study focuses on alternative ways to measure financial sector development and the external factors that both directly and indirectly influence economic growth. The empirical results based upon panel data from 1985 to 2003 for a sample of emerging countries suggest three major conclusions. First, by including a range of alternative financial sector development measures and a variety of external policy-related factors in the model, the importance of supplying basic liquidity services, as measured by M3, becomes less important for emerging countries. Second, the empirical results suggest tha

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ШІЛІНГ, Анна. "ВІЗУАЛІЗАЦІЯ ПРОЦЕСІВ ОБРОБКИ ДАНИХ ДЛЯ ІНФОРМАЦІЙНОЇ СИСТЕМИ КОМЕРЦІАЛІЗАЦІЇ ОБ’ЄКТІВ ПРАВА ІНТЕЛЕКТУАЛЬНОЇ ВЛАСНОСТІ". Herald of Khmelnytskyi National University. Economic sciences 322, № 5 (2023): 89–94. http://dx.doi.org/10.31891/2307-5740-2023-322-5-13.

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The aim of this article is to visualize the data processing processes for the information system of intellectual property rights commercialization. The article analyses the main legislative and regulatory documents governing the process of intellectual property rights commercialization in the information products and services market in Ukraine. It is also determined that the functioning of this information system will be influenced by external market factors. In particular, the main ones include economic development of the countries where the process of intellectual property rights commerciali

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Dubyna, M. V., A. V. Tarasenko, and O. O. Tarasenko. "The Essence and Peculiarities of Forming Household Behavior in the Financial Services Market." PROBLEMS OF ECONOMY 4, no. 50 (2021): 163–72. http://dx.doi.org/10.32983/2222-0712-2021-4-163-172.

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The financial services market is essentially a macrofinancial system that is complex, open and dynamic. Households play a key role in the development of such a market, as they actively use the services of bank and nonbank financial institutions. It is the behavior of these economic entities, which is formed under the influence of a number of factors, that generally determines the development of this market. The article is aimed at deepening the theoretical provisions on the nature of the financial behavior of households in order to justify the transformation of such a behavior model. The artic

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Dr. Devananda H M, Dr. Krishna M.M, and Dr. Vinith H P. "Perception of Retail Investors towards Capital Market – A Study." International Journal of Latest Technology in Engineering Management & Applied Science 14, no. 1 (2025): 140–46. https://doi.org/10.51583/ijltemas.2025.1401015.

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Abstract: Market facilitates the trade of goods and services. Similarly, financial market facilitates the sale and purchase of financial assets/instruments. And the financial market comprises two major markets viz., capital market and money market. Capital market is important for mobilizing funds for capital formation and investments, and forms a very vital link for economic development of any country. It (i.e., capital market) provides ways for issuers to mobilize capital from investor. The primary objective of the study is to assess and analyse the level of awareness among the respondents ab

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Lu, Jian John, Michael J. Rechtorik, and Shiyu Yang. "Automatic Vehicle Identification Technology Applications to Toll Collection Services." Transportation Research Record: Journal of the Transportation Research Board 1588, no. 1 (1997): 18–25. http://dx.doi.org/10.3141/1588-03.

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Intelligent transportation systems technologies are being developed and applied through transportation systems in the United States. An example of this type of innovation can be seen on toll roads where a driver is required to deposit a toll in order to drive on a toll road. To automatically process toll services, automatic vehicle identification (AVI) technologies should be developed and implemented. A summary is presented of a study that focused on the performance analysis of three types of AVI technologies that could be used for toll collection applications on the Crosstown Expressway and t

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Abiaziem, Fortune Ugochukwu, Oluwakemi Taiwo Oreagba, and Yetunde Omolara Akinleke. "Service Delivery and Market Performance of Deposit Money Banks in South-West, Nigeria." AFAR Multidisciplinary Journal of Management Sciences (MJMS) 7, no. 1 & 2 (2024): 114–27. https://doi.org/10.5281/zenodo.14561966.

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This study investigated the impact of service delivery on the market performance of Deposit Money Banks in South-West, Nigeria. A survey research design was utilized, employing a structured questionnaire on a six-point Likert scale with 67 questions to gather data. The sample comprised 395 employees from six banks: UBA, Zenith Bank, Access Bank, Polaris Bank, Wema Bank, and Jaiz Bank selected from a population of 30,352 employees. Descriptive statistics and inferential analysis using Structural Equation Modeling (SEM) with SmartPLS were applied to test hypotheses

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