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Journal articles on the topic 'Retail banking business'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Valenzuela, Fredy. "Switching barriers used to retain retail banking customers." Management Research Review 33, no. 7 (2010): 749–66. http://dx.doi.org/10.1108/01409171011055825.

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2

Harkusha, Yuliya, and Victoria Marushevska. "DEVELOPMENT OF RETAIL BANKING BUSINESS IN UKRAINE." Scientific Bulletin of the Odessa National Economic University 5-6, no. 294-295 (2022): 15–20. http://dx.doi.org/10.32680/2409-9260-2022-5-6-294-295-15-20.

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3

Journal, IJSREM. "A Study on Significance of Security Management in Retail Banking." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 10 (2024): 1–7. http://dx.doi.org/10.55041/ijsrem37923.

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Security management is a critical aspect of retail banking, ensuring the protection of customer data, financial transactions, and physical assets. This study aims to investigate the significance of security management in retail banking, examining its impact on customer trust, operational efficiency, and overall business success. By analyzing existing literature and conducting empirical research, this study seeks to identify the key security challenges faced by retail banks and explore effective strategies for mitigating risks and ensuring a secure banking environment. Keywords— Security manage

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DR, BHADRAPPA HARALAYYA. "TOP 5 PRIORITIES THAT WILL SHAPE THE FUTURE OF RETAIL BANKING INDUSTRY IN INDIA." Journal of Advanced Research in HR and Organizational Management ISSN: 2454-3268 8, no. 1&2 (2021): 17–18. https://doi.org/10.5281/zenodo.5017878.

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Retail banking refers to the delivery of financial services by a bank to individual customers rather than to corporate clients, companies, or other banks. The main retail banking products include savings and transaction accounts, mortgages, personal loans, debit cards, and credit cards. India experienced a surge in retail banking after introducing financial sector reforms in 1992. The retail banking industry in India has fast emerged as one of the major contributors to the overall growth of the banking sector in the recent past. In the current business environment, the Indian banking industry

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Ramdani, Boumediene, Ben Rothwell, and Elias Boukrami. "Open Banking: The Emergence of New Digital Business Models." International Journal of Innovation and Technology Management 17, no. 05 (2020): 2050033. http://dx.doi.org/10.1142/s0219877020500339.

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Open banking has recently been advanced as a measure to foster competition and innovation in the retail banking sector. Since its introduction in the UK, a number of banks have created new digital business models (BMs) that offer individuals and businesses access to more personalized financial services. Yet, it is still unclear what new entrants (smaller and newer banks) have done to potentially disrupt incumbents (larger and well-established banks). To shed light on the innovations in BMs that have been initiated by digital banks to move away from traditional retail banking BM, seven digital

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Ms., Gagan Deep Chadha, Ritika Moolchandani Dr., and Bimal Jaiswal Dr. "Impact of Globalization on Retail Banking Services." International Journal of Trend in Scientific Research and Development 2, no. 4 (2018): 1289–95. https://doi.org/10.31142/ijtsrd14180.

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The banking system is central to India's economy. Banks are contributing significantly in the growth and development of economy. However, banking sector in India is currently passing through an exciting and challenging phase. Though, India Banking System registered tremendous growth and reforms were introduced to improve the performance and efficiency in banking system. The reform measures have brought about sweeping changes in banking sector. The economic reforms have also generated new and powerful customers and new mix up players - public, private and foreign banks. The expectations of

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Chen, Jiayu. "Transformation of Retail Banking with the Internet Finance Disruption." Highlights in Business, Economics and Management 15 (June 28, 2023): 162–68. http://dx.doi.org/10.54097/hbem.v15i.9335.

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The emergence of new technologies, such as the Internet and big data, has brought about significant changes in people's daily consumption and investment habits. This has led to the rise of Internet finance, which has penetrated into all aspects of life, including the retail business of banks. However, the COVID-19 epidemic has dealt a severe blow to the physical industry, including the retail business of banks. This paper examines the impact of the COVID-19 epidemic on the retail business of banks and explores how commercial banks can take advantage of the opportunities presented by the curren

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Smith, Alan D. "Internet retail banking." Information Management & Computer Security 17, no. 2 (2009): 127–50. http://dx.doi.org/10.1108/09685220910964009.

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Ahmed, Jashim Uddin, and Asma Ahmed. "Agrani Doer Banking: Agent Banking Business in Bangladesh." Business Perspectives and Research 6, no. 2 (2018): 154–64. http://dx.doi.org/10.1177/2278533718765532.

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Agent banking involves the provision of banking services through non-conventional means such as retail outlets with the use of technology. In developing countries, such as Bangladesh, agent banking acts as a medium between the rural unbanked majorities and banking services that they would otherwise not have access to. The case analyzes how innovation in the banking sector can aid poor people to gain access to financial institutions through the Agrani Doer banking business model. It elaborates on the rules and regulations of agent banking and how the first state bank of Bangladesh, Agrani Bank,

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Sloboda, Larysa, Nataliia Dunas, and Andrzej Limański. "Contemporary challenges and risks of retail banking development in Ukraine." Banks and Bank Systems 13, no. 1 (2018): 88–97. http://dx.doi.org/10.21511/bbs.13(1).2018.09.

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Retail banking is an essential part of the financial services, accounting for a large part of all banking revenues and capital raising. This business line is designing the vital sphere to apply the adequate decision making approach for customer engagement, sustain profitability and increase competitive advantages. The modern trends in retail banking globally are based on digital innovations, bionic transformation and new regulatory issues. Ukrainian banks have also taken the first step to apply on-line platforms and cashless methods in banking. However, problems occur in the implementation of

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11

Ong, Hway-Boon, Nahariah Jaffar, Voon-Choong Yap, and Mariati Norhashim. "Empirical analysis of internet and mobile banking in Malaysia." Asian Economic and Financial Review 13, no. 2 (2023): 138–47. http://dx.doi.org/10.55493/5002.v13i2.4717.

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Internet and mobile banking deliver banking services through various cashless payment tools, such as debit and credit cards, direct transfers and electronic wallets. The usage of internet and mobile banking in Malaysia has increased, but it is uncertain if they facilitate retail consumption. If internet and mobile banking are the preferred banking services, their usage could stimulate retail consumption; otherwise, their usage will be short-lived and more work must be done to develop the internet and mobile banking sector. This study aims to determine the influence of internet and mobile banki

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Dr, BHADRAPPA HARALAYYA. "RETAIL BANKING TRENDS IN INDIA." International Journal of All Research Education & Scientific Methods ISSN: 2455-6211 9, no. 5 (2021): 3730–32. https://doi.org/10.5281/zenodo.4896848.

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Retail Banking is a venture variation received by all banks due to actuality there are several solace factors for banks, specifically. Obtaining of a huge purchaser bottom, to choose item benefits, higher rate and productivity, scope for strategically pitching and as much as offer of economic items and broadening financial product to increment per customer deals and clearly better risk thought. Together with the changing period worldview being the idea process power of the retail financial blast, banks are the usage of top notch procedures with the guide of planning ordinary business starting

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Givianty, Vasya Theodora, Haby Kurinawan, Ahmad Julian, and Jerry Heikal. "FACTORS OF USING CASHLESS TRANSACTIONS IN RETAIL BUSINESS USING GROUNDED THEORY." AKSELERASI: Jurnal Ilmiah Nasional 6, no. 1 (2024): 124–29. http://dx.doi.org/10.54783/jin.v6i1.909.

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Today's technological developments have been able to influence almost all business sectors so that business actors inevitably have to be able to keep up with these technological developments if they want to survive in the business world. One sector that is very dynamic following these developments is the banking sector. Developments in this sector have a domino effect on other sectors because banking acts like a bridge between business actors. The product results from this sector which can be said to be one of the factors changing consumer behavior is e-banking which encourages the creation of

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Bhole, Dr.R.V. "Corporate Governance in Axis Bank Limited." Journal of Research & Development 16, no. 7 (2024): 60–63. https://doi.org/10.5281/zenodo.11910291.

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Abstract:                             Axis Bank Ltd. Provides corporate and retail banking products and services. The company’s products include saving accounts; fixed deposits, recurring deposits; home loans, car loans, personal loan, and loans against shares, property and security; credit cards, debit cards and prepaid cards; forex, investments in mutual fund, demat account, online trading; insurance in health, home, travel, life and other services of prepaid mobile charging, online shopping, locker and e-statem

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Kuznyetsova, Аnzhela, Іryna Boiarko, Viсtoria Rudevska, and Vladyslav Maslov. "Development of business architecture of the banking sector based on public-private partnership." Banks and Bank Systems 17, no. 2 (2022): 150–62. http://dx.doi.org/10.21511/bbs.17(2).2022.13.

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The purpose of the paper is to identify promising areas of business architecture of the banking sector of Ukraine’s economy based on public-private partnerships. Business architecture integrates risks due to the predominance in a certain period of development of the banking sector of different business models. Its development should involve the subordination of private interests of the banking business to national and public needs to achieve economic growth. Such a public-private partnership should become an institutional tool for the formation and functioning of a business architecture, based

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Joksimović, Marijana. "THE EFFECT OF EDUCATION ON THE TRANSITION FROM TRADITIONAL TO MODERN BANKING UNDER THE INFLUENCE OF MARKET RISKS PREGLEDNI RADOVI." REVIZOR 26, no. 104 (2023): 9–15. http://dx.doi.org/10.56362/rev23104009j.

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The process of globalization, the development of new technologies, artificial intelligence, increased competition and concentration, bring many novelties to banking. Advances in information technology and education inevitably lead to the development of the profession and bring changes in the entire business philosophy of traditional banking. The new business philosophy in banks pervades all banking operations, from retail to international banking, personnel training and managerial approach, and is an inevitable factor in further banking development.

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17

Singh, Prakash. "Leveraging Business Analytics for Marketing Decisions in Retail Banking." Management Dynamics 15, no. 2 (2022): 29–44. http://dx.doi.org/10.57198/2583-4932.1082.

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18

Baicu, Claudia Gabriela, Iuliana Petronela Gârdan, Daniel Adrian Gârdan, and Gheorghe Epuran. "The impact of COVID-19 on consumer behavior in retail banking. Evidence from Romania." Management & Marketing. Challenges for the Knowledge Society 15, s1 (2020): 534–56. http://dx.doi.org/10.2478/mmcks-2020-0031.

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AbstractThe pandemic COVID-19 has severely affected the global economy. The strict lockdown measures have also changed the daily live, including consumer behavior in retail banking. In this context, the purpose of this paper is to investigate the impact of the COVID-19 crisis on consumer behavior in retail banking, with a special focus on the Romanian banking sector. To achieve our goal, we performed a survey among the Romanian consumers in retail banking, using as research method the field survey based on questionnaire. The final sample comprised 738 valid responses from the metropolitan area

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19

Boström, Gert‐Olof, and Timothy L. Wilson. "Swedish retail banking: a competitive update." Competitiveness Review 19, no. 5 (2009): 377–90. http://dx.doi.org/10.1108/10595420910995993.

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20

Goncharenko, Tetiana. "ANALYSIS OF MODELS OF BANKING BUSINESS STRATEGY: INTERNATIONAL AND DOMESTIC EXPERIENCE." Economic Analysis, no. 30(1, Part 1) (2020): 42–49. http://dx.doi.org/10.35774/econa2020.01.01.042.

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Introduction. In the current conditions of development, banks are influenced by numerous external factors at the international and national level, as well as economic, political, social and technological trends, which contribute to the need to change the features of their activities. These include, first of all, the review of banks' business strategies as the main reflections of their activities, as well as the use of more effective types of them in accordance with the specifics of the institution. This issue is the subject of extensive research by both domestic and foreign scientists and requ

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21

PUNDKAR, NAMRATA SHESHRAO, and PROF RAMESHWARI AKOLKAR. "RETAIL BANKING SERVICES IN GP PARSIK SAHAKARI BANK LTD." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (2024): 1–13. http://dx.doi.org/10.55041/ijsrem27937.

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Retail banking services in a GP Parsik Sahakari Bank Ltd executed transactions directly with consumers, rather than corporations or other banks. Services offered include saving and transactional accounts, mortgages, personal loan, debit cards and credit cards. The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may be used to refer to a division of a bank dealing with retail customers and can also be termed as personal banking services. The bank has worked to acquire advanced banking technology and a highly quali

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22

Duisenbayeva, B., N. Maulina, and G. Suleimenova. "Retail lending to commercial banks: current state and business models of development." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 295–306. http://dx.doi.org/10.32523/2789-4320-2023-1-295-306.

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This article explores the current state of consumer bank lending, focusing on the quantitative and qualitative indicators of the banking sector, the ecosystems of commercial banks. In the course of the study, statistical data on the loan portfolio and overdue debts of the banking sector of the Republic of Kazakhstan, on the structure of overdue debts on bank retail loans issued for consumer purposes were used and analyzed. The tendencies of bank consumer crediting by the terms and sizes of the lending rate are determined. The influencing factors on consumer-clients in retail lending have been

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23

Sundjaja, Arta Moro. "IMPLEMENTATION OF BUSINESS INTELLIGENCE ON BANKING, RETAIL, AND EDUCATIONAL INDUSTRY." CommIT (Communication and Information Technology) Journal 7, no. 2 (2013): 65. http://dx.doi.org/10.21512/commit.v7i2.586.

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Information technology is useful to automate business process involving considerable data transaction in the daily basis. Currently, companies have to tackle large data transaction which is difficult to be handled manually. It is very difficult for a person to manually extract useful information from a large data set despite of the fact that the information may be useful in decision-making process. This article studied and explored the implementation of business intelligence in banking, retail, and educational industries. The article begins with the exposition of business intelligence role in

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24

Bátiz-Lazo, Bernardo, and Peter Wardley. "Banking on change: information systems and technologies in UK high street banking, 1919–1969." Financial History Review 14, no. 2 (2007): 177–205. http://dx.doi.org/10.1017/s0968565007000534.

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This article looks at the experience of management of technological innovation and mechanisation by British financial institutions. It highlights the indigenous assessment of technology, reflecting on local and American influences in two types of business organisations within the financial sector to demonstrate the nature of responses and the timing of the introduction of new methods and machinery. The adoption of Information Technology (IT) and computer applications in particular play a crucial role, though one that is intimately connected with a strategic expansion of corporate business, thi

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Muhamad, Rusnah, and Sharifah Alwi. "Explicating consumer segmentation and brand positioning in the Islamic financial services industry." Asia-Pacific Journal of Business Administration 7, no. 3 (2015): 253–74. http://dx.doi.org/10.1108/apjba-12-2014-0136.

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Purpose – The purpose of this paper is to discuss how the current research on the Islamic financial services industry attempts to classify its consumers and provide a fresh and critical insight into the retail Islamic banking market segmentation to harness and enhance understanding, as well as provide a guideline for a better segmentation to bank marketers. Design/methodology/approach – This study is conceptual in nature. Based on Qur’anic verses and previous literature, the authors aim to propose an applicable model of market segmentation for the retail Islamic banking market in Malaysia. Con

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Redda, Ephrem Habtemichael, and Marko Van Deventer. "Retail Banking Service Quality and Customer Loyalty: The Role of Trust and Commitment as Mediators." International Review of Management and Marketing 13, no. 5 (2023): 18–25. http://dx.doi.org/10.32479/irmm.14658.

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This research examines how service quality, trust, commitment, and loyalty are related in retail banking. The study proposes a model that includes trust and commitment as mediating factors between service quality, and bank loyalty. The researchers collected data from 271 participants and used a descriptive design and quantitative approach to analyse the data. The study utilized the PROCESS macro-Version 3.5 to conduct the mediation analysis. The results indicate that service quality in retail banking has a positive impact on customer trust and commitment, which, in turn, predict customer loyal

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Fan, Bohan. "Research on the Marketing Strategy of Banking and Finance Business Given Big Data Technology." SHS Web of Conferences 154 (2023): 02018. http://dx.doi.org/10.1051/shsconf/202315402018.

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Individuals’ consumption patterns and financial demands are changing significantly as a result of the quick advancement of modern information technology and the integration of financial technology into everyday life, which has negative effects on and presents challenges for banks’ traditional retail operations. The competition among Chinese commercial banks in the retail sector is getting more and more intense due to the country’s rapid economic expansion and increase in household wealth. In order to improve its core competitiveness, maximise its retail business marketing strategy, and investi

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28

Marcin, Marcin. "Strategies for Developing On-Line Business Models in Retail Banking." Studia i Materiały Wydziału Zarządzania UW 1/2018, no. 27 (2018): 90–104. http://dx.doi.org/10.7172/1733-9758.2018.27.8.

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29

Abel, Edivaldo, and Kepha O. Pondi. "A Framework of Customer Service Training Competencies for Proactive Business Recovery in a Post-COVID Era: A Case Study." June 2024 5, no. 1 (2024): 120–32. http://dx.doi.org/10.56893/pajes2024v05i01.10.

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Abstract Customer service is a core competitive edge in any service industry, including the retail banking sector. However, retail bank customers, especially in Angola, often complained of standing in long queues waiting to be served and difficulty handling technology while transitioning to online banking. This qualitative single-case study used competency-based theory to develop a framework for the customer service training competencies of a selected retail bank in Angola. Purposeful sampling was employed to select eight participants, including bank employees and customers who voluntarily par

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30

Черникова, Людмила, Lyudmila Chernikova, Гузель Фаизова, and Guzel Faizova. "Service as part of the strategy of retail banking businesses." Services in Russia and abroad 8, no. 8 (2014): 26–37. http://dx.doi.org/10.12737/8245.

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The article presents the authors&#180; systematization of strategies for managing retail banking businesses with the disclosure of the methods and forms, and that provides an overview  of the strategies used, the methods and forms of the retail banking business. This systematization allows developing new models of strategies that take into account the interaction of business, society and the public to ensure the balance of risks and effectiveness of activities, including at each stage of the organization of the retail banking business. The success of the forms and methods of re

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31

Jhajharia, Priya, and Dr Tina shivnani. "CHALLENGES FACED BY RETAIL BANKING FROM FINTECH IN PRIVATE SECTOR BANKS IN INDIA." Journal of Dynamics and Control 9, no. 3 (2025): 51–59. https://doi.org/10.71058/jodac.v9i3003.

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The banking sector is undergoing a radical shift due to digitization, one of the most significant developments in the business. As a result of digitalization, financial institutions now have more ways to prioritize their customers’ needs. The retail financial service value chain is seeing sustained disruption from new technologies entering and remaining in the industry. Both the current leaders and the newcomers have access to cutting-edge tools. Banking and finance have been reimagined as an “enabler” rather than a “supplier” of goods and services in response to the dynamics driving these shi

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32

Kupp, Martin, and Jamie Anderson. "Zopa: Web 2.0 meets retail banking." Business Strategy Review 18, no. 3 (2007): 11–17. http://dx.doi.org/10.1111/j.1467-8616.2007.00478.x.

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33

Brown, Ian. "The UK’s Midata and Open Banking programmes." Technology and Regulation 2022 (October 27, 2022): 113–23. https://doi.org/10.71265/56y4qv61.

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This article examines how self-regulatory and then competition authority-imposed requirements for data portability (Midata) then interoperability (Open Banking) in the UK’s retail banking markets were used to increase competition and create better-functioning, more innovative and diverse markets for personal accounts and small business banking, and related services. These requirements went further than the EU’s second payment services directive, including a co-regulatory obligation for the nine largest retail and small business banks to agree a common technical interface (API) and standards fo

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Dr., Dinesh Pratap Singh. "A Critical Evaluation of Digital Banking in India." Management Journal for Advanced Research 4, no. 4 (2024): 109–14. https://doi.org/10.5281/zenodo.13621972.

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As we known banking is the business activity of accepting and safeguarding money owned by other individuals and entities, and then lending out this money in order to earn a profit. There are different types of banking system adopted in Indian banking like: retail banking, corporate banking, investment banking, private banking, digital banking etc. Here we focus on digital banking where as we are used technology in banking sector. Online banking and mobile banking services are main example of digital banking in India. Digital banking refers to the provision of banking services through digital c

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35

Kuznetsov, A. N. "FORMATION OF COMPETITIVE ADVANTAGES IN THE BANKING SECTOR THROUGH THE USE OF CORPORATE ENTREPRENEURSHIP TOOLS." Business Strategies 9, no. 4 (2021): 117–32. http://dx.doi.org/10.17747/2311-7184-2021-4-117-132.

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The competitiveness of credit institutions in the retail banking market lies in their ability to conduct business in this market in order to obtain the highest possible market share and profits. Achieving these goals is linked to the level of operational efficiency and strategic positioning or differentiation of banking services. Consider the tools of corporate entrepreneurship that form competitive advantages in the banking sector.

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C, Jothi Baskara Mohan, and Jegadeeshwari P. "Contemporary Issues and Futuristic Trends in Retail Banking Management." Shanlax International Journal of Management 6, S1 (2019): 83–89. https://doi.org/10.5281/zenodo.2567697.

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n the Arena of retail banking scenario, the customers’ expectations are boundless and they look for many factors like appropriateness and accuracy of accounting and reporting norms, speed of service, returns or yield on deposits, cost of processing, facilities, ambience of the environment, procedures and case of process, security aspects and relationship of the people. For fulfilling the ever-growing expectations of the customers, the role of Electronic Customer Relationship Management (ECRM) becomes very important. E-CRM, if implemented and integrated correctly, can help significantly i

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Mullan, Hugh. "Strategic exit counterfactuals and remedies in Irish retail banking mergers." Competition Law & Policy Debate 8, no. 3 (2024): 162–68. http://dx.doi.org/10.4337/clpd.2024.03.04.

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Strategic exit arises when a business decides to leave a market, but is not necessarily financially failing. As part of the exit strategy, the business may sell its assets, creating a merger situation. A merger which would otherwise look problematic may not give rise to anticompetitive effects if the counterfactual to the merger includes strategic exit. What counts as credible evidence of strategic exit? What happens if the decision to exit is taken after the merger is already in contemplation? Why might a flexible approach to remedies be useful when there is a risk of exit in the event of mer

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38

Фаизова, Гузель, Guzel Faizova, Анна Силаева, and Anna Silaeva. "Systematic approach to the development of retail banking based on correlation-regression analysis." Services in Russia and abroad 8, no. 9 (2014): 46–55. http://dx.doi.org/10.12737/10795.

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The crisis of financial globalization increases uncertainty, contributes to the emergence of new risks, so the strategy of development banks in the Russian regions, focused on domestic resources, should be formed on the basis of pre-calculable scenarios of socio-economic development for certain conditions. In banking activities are widely used various models based on the mathematical apparatus. The study shows the absence of works using econometric techniques to develop a methodical approach to the development of the retail banking business. The aim of the study is to assess the relationship b

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Protas, Nina G., Elena P. Shustova, Dar'ya Yu Iordan, and Aleksandr R. Shaptala. "Functioning of the Russian banking services market in 2022. Retail: trends and prospects." Siberian Financial School, no. 1 (August 1, 2023): 50–56. http://dx.doi.org/10.34020/1993-4386-2023-1-50-56.

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The article discusses the impact of sanctions on the Russian banking services market: on the payment banking business, the real state of bank deposits of individuals and retail bank lending, also determines the directions for the development of sales channels for banking services. The authors attempted to reveal the main trends in the development of alternative channels for the sale of banking services by Russian banks, instead of service offices, also gave recommendations to commercial banks on improving the functionality of digital sales channels.

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Narteh, Bedman. "Service fairness and customer behavioural intention." African Journal of Economic and Management Studies 7, no. 1 (2016): 90–108. http://dx.doi.org/10.1108/ajems-06-2015-0064.

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Purpose – The purpose of this paper is to examine the relationship between service fairness and behavioural intention and the moderating role of demographic variables among retail banking customers. Design/methodology/approach – A four-factor structure consisting of price, procedural, interaction and outcome fairness gleaned from the literature was adopted for the current study. This was used to survey 381 customers of 15 retail banks in Ghana. Exploratory factor analysis and hierarchical regression were used to analyse the hypothesized relationships among the factors. Findings – The paper fou

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Kevin, Hock, and Giebe Carsten. "Big Data Analytics in the German Banking Sector Using the Example of Retail Banking." Account and Financial Management Journal 07, no. 02 (2022): 2601–16. https://doi.org/10.5281/zenodo.6032702.

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Abstract Due to digitalization, the banking sector has been undergoing massive change in Germany for years. The causes are the rapid technological progress, regulation and supervision, the low-interest phase and demographic change. The future world of work will be characterised by digitalization and automation. These changes will have an impact on how bank customers demand, evaluate and ultimately purchase financial services. This paper examines the impact of digitalization on the entire German banking market and shifts the focus to big data analytics as a possible means of improving existing

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Schmidt-Jessa, Katarzyna, and Maciej Stradomski. "Digital-Only Banks – Retail Banks for Retail Customers Only?" Journal of Banking and Financial Economics 2025, no. 1(23) (2025): 107–24. https://doi.org/10.7172/2353-6845.jbfe.2025.1.8.

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This paper explores how traditional banks perceive digital-only banks and the potential impact of digital-only banks on the retail segment of the banking sector. To obtain the main goal, we conducted in-depth semi-structured interviews with managers and directors representing different traditional banks with profound insight into the bank digitalisation process. The results indicate that, for traditional banks, the development of digital-only banks does not pose a threat or challenge that can significantly undermine their business. A high level of user experience, innovativeness, and lack of o

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KYRYLENKO, Serhiy. "KEY TRENDS IN EUROPEAN RETAIL BANKING AND PROSPECTS FOR THEIR DEVELOPMENT IN UKRAINE." JOURNAL OF EUROPEAN ECONOMY, Vol 18, No 1 (2019) (2019): 140–53. http://dx.doi.org/10.35774/jee2019.01.140.

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The modern banking sector of Ukraine is subject to technological influences from the financial services market of Western Europe. The article identifies key strategic directions for banking business development in the conditions of rapid technological change and transformation of the financial service consumption model. The study aims to identify the modern tendencies in banking and the prospects for implementing separate models and instruments in view of the realities of the domestic retail banking practice. The study reveals the main principles of building customer-oriented strategies in Eur

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Ferreira, Fernando A. F., Sérgio P. Santos, Paulo M. M. Rodrigues, and Ronald W. Spahr. "EVALUATING RETAIL BANKING SERVICE QUALITY AND CONVENIENCE WITH MCDA TECHNIQUES: A CASE STUDY AT THE BANK BRANCH LEVEL." Journal of Business Economics and Management 15, no. 1 (2014): 1–21. http://dx.doi.org/10.3846/16111699.2012.673504.

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The intangibility of banking services makes the evaluation of service quality and customer convenience difficult to measure. This paper aims to construct an integrated evaluation system for retail banking service quality and convenience at the bank branch level by combining cognitive mapping with measuring attractiveness by a categorical based evaluation technique. We strive to introduce transparency in the decision making process and add to the performance literature in retail banking. Strengths, weaknesses and practical applications of our multiple criteria evaluation system are also discuss

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Subbulakshmi, K. "A Study on Impact of E-Commerce on Banking Sector with Reference to HDFC." ComFin Research 10, S1-Jan (2022): 17–19. http://dx.doi.org/10.34293/commerce.v10is1-jan.4751.

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Now days, E-Commerce is the major resource with the help of Internet facilities. E-commerce provides the facility to buy and sell the products and services or transfer the funds or the data. These business deals do eitheras Business-to- Business, Business-to- Client, consumer-to-Consumer. HDFC net Banking allows you to perform a wide range of sale from anywhere, any time. With the help of digital banking there is no need to visit the bank for any transactions. E-banking is the operation of E-Commerce used by bank clients for the purpose of Electronic Data Interchange, Fund transfer and E-mail

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Singhal, Anu. "Interactive Banking- Technology driven Retail Business for Indian Public Sector Banks." International Journal of Management Issues and Research 8, no. 1 (2019): 25–34. http://dx.doi.org/10.69711/sharda.ijmir.v8i1.1903.

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Smit, B., Frederik J. Mostert, and Jan Hendrik Mostert. "Financial innovation in retail banking in South Africa." Corporate Ownership and Control 13, no. 3 (2016): 393–401. http://dx.doi.org/10.22495/cocv13i3c2p11.

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Innovation in general refers to an action to do something differently. Financial innovation, which embodies the topic of this research, has therefore the creation of financial products, services and/or systems in mind in order to satisfy the needs of customers and clients and ultimately to improve the financial performance of the enterprises concerned. As the requirements of customers and clients change continuously, financial innovations are important for the survival of enterprises. Capital investments to accommodate financial innovations should be considered very carefully as they will dete

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Yvonne, Chibulu Mwababa, and C. Hapompwe Chrine. "Assessing The Effect of Digital Banking Services on Retail Banking Customers' Satisfaction Levels in Lusaka's Central Business District." Journal of Economics, Finance And Management Studies 07, no. 07 (2024): 4574–86. https://doi.org/10.5281/zenodo.13088504.

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Digital banking platforms have improved the way banks deliver their services to clients which has resulted in the gradual movement from brick and mortar to the use of digital applications such as mobile phones, iPads, laptops and ATM machines. The purpose of this study was to assess the effect of digital banking on retail banking customer service satisfaction levels in Lusaka Town. The study was guided by three objectives which were; to determine customers’ perception of the reliability of digital banking services in Lusaka Central Business District; to assess customers’ perception

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Amukti, Ageng A. "Strategic Considerations of SaaS Implementation for Retail Banking System." ACMIT Proceedings 3, no. 1 (2019): 85–93. http://dx.doi.org/10.33555/acmit.v3i1.30.

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Globalization era has provide us with such benefits with all the technology and business innovations, but with the high pace of competition, the ability to adapt and evolve is increasingly important and demand of creating product with the latest technology became more common, this creates a problem for system provider that offer large Enterprise software as their system, as it is inherently complex and hard to maintain. To deal with this complexity, one of the emerging concept as a solution for this is by converting the enterprise system into SaaS or “software as a service” model, as it enable

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Moisescu, Ovidiu-Ioan. "From CSR to Customer Loyalty: An Empirical Investigation in the Retail Banking Industry of a Developing Country." Scientific Annals of Economics and Business 64, no. 3 (2017): 307–23. http://dx.doi.org/10.1515/saeb-2017-0020.

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Abstract The objective of the current paper is to investigate the impact of customers’ perceptions of their service providers’ corporate social responsibility (CSR) on customer loyalty, bringing relevant and useful insights regarding the nature of this relationship in the retail banking industry, and in the particular context of a developing country. The objective was accomplished by planning and implementing a consumer survey among a sample of 1449 Romanian retail banking customers, using an item-pool drawn up from the literature. The observed variables were grouped into several reflective la

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