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Do Foreign Banks Lead in Internet Banking Services?
Boon Han YEAP,Kooi Guan CHEAH
Journal of Internet Banking and Commerce , 2005,
Abstract: Internet banking has been increasingly used as a delivery channel in retail consumer banking. As far as the provision of internet banking services in developing countries is concerned, foreign banks definitely enjoy distinct advantages over domestic banks due to their experiences in other, more advanced financial markets. This paper reports a study that examined the levels of retail internet banking services provided by foreign and domestic commercial banks in Malaysia over a period of two years. The study found that while foreign banks are marginally more sophisticated at information provision level, domestic banks offer a significantly higher level of transactional facilities in both years.
Investment Banking Services: Ownership Structures, Financial Advisory and Corporate Governance Models
Renato Giovannini,Vincenzo Capizzi,Gian Marco Chiesi
International Journal of Business Administration , 2010, DOI: 10.5430/ijba.v1n1p49
Abstract: This study is based on the premise that mostly large enterprises require investment banking services, due to their complexity and the difficult scenarios in which they operate. Accordingly, we empirically investigate the hypothesis that both the type of ownership structures and the quality of governance are correlated with the demand for specific investment banking services. The analysis is developed by using a proxy for the propensity of enterprises to demand these services, making reference to an extended definition of investment banking activity. The empirical analysis performed on a sample of 150 enterprises showed that the investment banking propensity indicator is significantly correlated with ownership and governance variables. Next, we verify whether companies characterised by greater probability of access to investment banking services show better income performance. However, no conclusive and univocal conclusions can be drawn yet with regard to the linkage between investment banking propensity and performance.
INFORMATION AND COMMUNICATION TECHNOLOGIES TO DELIVER FINANCIAL SERVICES FOR THE LOW-INCOME POPULATION: CORRESPONDENT BANKING AT BANCO LEMON  [cached]
Cesar Akira Yokomizo,Eduardo Henrique Diniz,Tania Pereira Christopoulos
JISTEM - Journal of Information Systems and Technology Management , 2010,
Abstract: Brazilian banks have developed innovative initiatives to deliver financial services for the lowincomepopulation through correspondent banking (CB). Banco Lemon is such an interestingcase to be studied because it has implemented a business model based exclusively on CB outletsand its focus was on low-income clients. This paper describes Banco Lemon’s adoption processof the CB technology to deliver financial services for the low-income population, promoting ahistorical description of the bank’s activities, since its creation and up to the year 2009.Eventually, this paper concludes that bill payment initiatives were successful while creditinitiatives led to unexpressive outcomes.
The Study of Clients’ Buying And Consumption Behavior Of Financial-Banking Products And Services
Mitran Paula Cornelia,Bebeselea Mihaela
EIRP Proceedings , 2009,
Abstract: The purpose of every economic activity in general and the financial one in particular is thesatisfaction of clients’ necessities. The specificity of clients’ consumption behavior in the financial – bankingrealm, impose the understanding of the necessities and their occasional process to the banking system. Theclient’s behavior analysis, as an obvious barometer of a bank evolution is the most important component of amarketing research. The relationship between the client, as a natural person or a juridical person and bank, isvery important and requires to be supported in order to assure clients’ loyalty and to develop long termrelations with them. Therefore, banks should give advice to their clients concerning their finance organizationor concerning the preparation of their business plans, fact which is able to reinforce the professional image ofthe bank. This aspect must be completed by the presence of some communication specialists who will assurethe information transfer, creating a feed-back between the employees and the clients.
E-banking service quality: gaps in the Qatari banking industry  [cached]
Norizan M. Kassim
Journal of Internet Banking and Commerce , 2005,
Abstract: Financial liberalization and technology revolution have allowed the developments of new and more efficient delivery and processing channels as well as more innovative products and services in banking industry. Banking institutions are facing competition not only from each other but also from non-bank financial intermediaries as well as from alternative sources of financing, such as the capital markets. Another strategic challenge facing banking institutions today is the growing and changing needs and expectations of consumers in tandem with increased education levels and growing wealth. Consumers are becoming increasingly discerning and have become more involved in their financial decisions. For this reason, they are demanding a broader range of products and services at more competitive prices through more efficient and convenient channels. This study investigates the discrepancy between customer's expectation and perception towards the e-banking services.
THE IMPACT OF GLOBALISATION ON BANKING SERVICE QUALITY IN ZIMBABWE (2003-2008)  [PDF]
KOSMAS NJANIKE
Annals of the University of Petrosani : Economics , 2010,
Abstract: The study sought to investigate the impact of globalization on the quality of products in a developing economy banking sector. The objectives of the research were to ascertain whether globalisation helps restore or maintain confidence in the banking sector; ensure a sound financial sector; helps reduce fraudulent activities and whether the implementation of global measures improves the quality of products in the banking sector. Zimbabwe banking sector was used as a case study. Questionnaires and interviews were used to collect the data in addition to documentary review. It was found that globalization ensures efficient service delivery as human bank tellers; long queues and underutilisation of internetwere still in existence in the banking system. Globalisation of the banking sector is essential in that it brings new technology which help improve banking services and infrastructure hence reduce fraudulent activities, new risk management techniques and increased confidence in the banking sector.
Impact of E-Banking on Traditional Banking Services
Shilpan Vyas
International Journal of Computer Science and Communication Networks , 2012,
Abstract: Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services.This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of e-banking on traditional services and finally the result documentation.
Impact of E-Banking on Traditional Banking Services  [PDF]
Shilpan Dineshkumar Vyas
Computer Science , 2012,
Abstract: Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services. This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of e-banking on traditional services and finally the result documentation.
The take-up importance of ICT enabled services in crisis time, an evaluation of e-banking, internet conferencing and e-public services  [PDF]
Patriche, D.,Bajenaru, A.
Bulletin of the Transilvania University of Brasov. Series V : Economic Sciences , 2010,
Abstract: The world is facing a global financial and economic crisis, the deepest and the widest spread since the Great Depression of 1930. Individuals, companies and governments alike are forced to take active measures to counteract the severe consequences of the crisis, if they want to emerge stronger from this difficult period. There are strong beliefs among policy makers around the world, European Union included, that the Information and Communication Technologies are a very important pillar in the recovery from the crisis. This paper aims at evaluating the e-banking services, internet enabled conferencing solutions and electronic public services as categories of ICT enabled services that represent powerful and practical solutions, especially in time of crisis, with significant advantages at individual, company and government level.
The Internationalization of Islamic Banking and Finance: The Co-Evolution of Institutional Changes and Financial Services Integration  [cached]
Juan Jose Duran,Maria-Jose Garcia-Lopez
International Journal of Business and Management , 2012, DOI: 10.5539/ijbm.v7n13p49
Abstract: The basis for Islamic finance lies in the Shariah. In this paper we point out the co-evolution of institutional change and the banking expansion in Islamic countries; there are certain parallelism between the quantitative and qualitative developments of the Islamic financing industry and the emergence of supportive institutions. There are certain convergences of Islamic banking products and institutions towards traditional banking functioning but keeping their principles. The Islamic financial institutions are effective instruments towards financial and economic integration at regional and global level. The Islamic economy has also showed a lesser impact of the global crisis than the western economy.
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