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نتیجه جستجو - بانکداری

تعداد مقالات یافته شده: 376
ردیف عنوان نوع
1 Research on prepaid account financing model based on embedded system and Internet of Things
تحقیق در مورد مدل تامین مالی پیش پرداخت بر اساس سیستم جاسازی شده و اینترنت اشیا-2021
Internet of Things (IoT) network interconnection to create objects and things will play the Internet to play an active role in the global network in the future. For the Internet of Things, which is widely adopted through funding models, it must be trusted in the IoT security infrastructure. Efficiently and Securely IoT is very important to define how each other can communicate with remote servers and get Exchange account informa- tion. Prepayments for effective financial management and an important choice for financial IoT for service providers and customers. However, it must be supported by real-time credit checking and costing. Internet re- sources are consumed by these real-time action stuff providers and impose high costs on the old system. To solve this problem, to propose the K Means Algorithm scalable accounting solutions, where the user is hosted each occupies a prepaid account, constitute the components of embedded systems. Based on each of our prepaid billing components’ supervision, it is at the same time consumed by the embedded system of all services, based on the calculation of the service packages consumed by the customer. Prepaid accounts are reassigned when the customer had sufficient credit to supplement their use and are allocated based on IoT services’ consumption. This work aims to reduce the cost of pre-paid services and ensure that service delivery is not to interfere with the charging unit. Also, embedded systems’ theoretical and experimental analysis shows that this work can store long-lived services on the Internet of Things to provide inexpensive accounting solutions.
keywords: الگوریتم میانگین کا | سیستم های جاسازی شده | اینترنت اشیا | مدیریت مالی | سیستم حسابداری پیش پرداخت | K means algorithm | Embedded systems | Internet of Things | Financial management | Prepaid accounting system
مقاله انگلیسی
2 Big data analytics for supply chain relationship in banking
تجزیه و تحلیل داده های بزرگ برای رابطه زنجیره تأمین در بانکداری-2020
This paper reports how a commercial bank in Asia uses big data analytic as a tool to explore the internal B2B data to improve supply chain finance and the efficiency of marketing tactics and campaigns. A case study was conducted by analyzing two types of supply chain relationships: (1) supply chain relationships in the credit reports; (2) e-wiring transactions among supply chain companies. The results show that big data analytics is very useful in terms of improving the commercial banks marketing and risk management performances. The case study also set a good example for B2B firms seeking to understand how they could leverage big data analytics to differentiate customer solutions, sustain profitability and generate new business values. Theorical and practical implications are also discussed.
Keywords: Supply chain finance | B2B analytics
مقاله انگلیسی
3 The regulatory technology “RegTech” and money laundering prevention in Islamic and conventional banking industry
فناوری نظارتی "RegTech" و جلوگیری از پولشویی در صنعت بانکداری اسلامی و مرسوم-2020
This study aims to illustrate the impact of adopting Regulatory technology (RegTech) innovations in banks on money laundering prevention effectiveness using Bahrain as a case study. Bahrain has strived to position itself as the banking center of the Arabian Gulf, hence the results of this novel research are informative of the practices in the region. The primary data for this study was collected through a survey instrument distributed to 100 bankers working in Bahrain with expertise in compliance. The results of multivariate analysis indicate that transactions monitoring through RegTech and cost- and time-saving aspects of RegTech, drive money laundering prevention effectiveness to a highly statistically significant extent. However, electronic know your customer (KYC) tech- nologies are insignificant as drivers. This research not only sheds light on the efficacy of RegTech but also raises general awareness concerning the adoption and integration of RegTech platforms for fighting money laundering. In particular, the findings provide specific insights about the deployment of RegTech capabilities in banks in regional banking centers of modest scale.
Keywords: Regulatory technology (RegTech) | Anti money laundering (AML) | Know your customer (KYC) compliance | Business management | Business policy | Corporate finance | International finance | Sustainable business
مقاله انگلیسی
4 شواهد تجربی از تغییر ساختار هزینه عملیاتی و تأثیر آن بر سود عملیاتی بانک ها: مطالعه موردی کشور آلمان
سال انتشار: 2020 - تعداد صفحات فایل pdf انگلیسی: 20 - تعداد صفحات فایل doc فارسی: 19
بخش مالی دستخوش تغییرات و چالش های گسترده ای است که کل بازار و زیرساخت ارائه دهندگان خدمات مالی را تحت تاثیر قرار می دهد. توسعه فناوری منجر به افزایش فرایند دیجیتالی شدن می شود و امکان ظهور مدل های تجاری جدید را فراهم می کند. واضح است که شاخصه بارز بخش بانکی، کارکنان و خدمات مرتبط با آن است. با این حال، سالهاست که شاهد کاهش کارکنان این بخش به دلیل تغییر شرایط هستیم. و این سوال مطرح می‌ شود که -بر اساس مفروضات مخالف نظریه اصلی نمایندگی و فرضیه ترجیح هزینه‌ها- تغییرات کارکنان تا چه حد بر موفقیت عملیاتی بانک‌ها تأثیر می‌گذارد. بر این اساس شش فرضیه تدوین و مورد آزمون قرار گرفت. برای تهیه داده ها از روش تحلیل مؤلفه های اصلی استفاده شد. پس از آن، تجزیه و تحلیل واقعی با استفاده از روش ترکیبی انجام شد. نتایج این بررسی طی سال‌های 2017-2013 رشد منفی کارکنان را نشان داد که به بهبود نتایج عملیاتی بانک‌ها کمک کرد. بدین ترتیب مشخص می شود که طراحی مدل کسب و کار بانک ها برای پس انداز و همکاری و تعاون در درجه دوم اهمیت قرار دارد.
کلیدواژه: بانکداری | ساختار هزینه | دیجیتالی شدن | منابع انسانی | سود عملیاتی
مقاله ترجمه شده
5 Driving sustainable banking in Nigeria through responsible management education: The case of Lagos Business School
هدایت بانکداری پایدار در نیجریه از طریق آموزش مدیریت مسئولانه: مورد دانشکده بازرگانی لاگوس-2020
This article focuses on ways business schools and management development institutions can through responsible management education drive learning for sustainable banking as a channel to address the Sustainable Development Goals (SDGs). The article discusses the role of business schools and management development institutions in advancing progress to attain the SDGs in Nigeria, a developing nation in sub-Saharan Africa. This is examined within the context of a globalized banking and financial sector which is yet to fully maximize opportunities to drive sustainable development due to, among other factors, the lack of clear understanding of how to integrate sustainability into the banking system. Ongoing systemic efforts to drive sustainable banking through responsible management education are discussed and ways to further integrate sustainable banking to accelerate the attainment of SDGs are presented.
Keywords: Lagos business school | Nigeria | Sustainable banking | Sustainable development goals
مقاله انگلیسی
6 User-centred web design, usability and user satisfaction: The case of online banking websites in Iran
طراحی وب کاربر محور ، قابلیت استفاده و رضایت کاربر: پرونده وب سایت های بانکی آنلاین در ایران-2019
The relationship of Web design attributes (personalisation, structure, navigation, layout, search and perfor- mance) and users personal characteristics to website usability and user satisfaction was investigated among 798 online banking users in Iran. The design and usability of the evaluated websites were not satisfactory from the users’ perspectives. Multivariate regression models indicated that Web layout and performance were the main predictors of website usability, while personal characteristics including gender, age and Web usage experience of users had no effect. User satisfaction was also influenced only by the Web design attributes (particularly Web structure) and not by the personal characteristics of the users. There was also a significant relationship between website usability and user satisfaction. The findings suggest that the website designers should focus more on the Web design attributes (particularly Web layout and structure), regardless of the personal characteristics of their users, to improve the usability and user satisfaction of websites.
Keywords: E-banking | E-satisfaction | Internet banking | Web site
مقاله انگلیسی
7 Dynamic supply adjustment and banking under uncertainty in an emission trading scheme: The market stability reserve
تنظیم پویای عرضه و بانکداری تحت عدم قطعیت در یک طرح معاملات انتشار: ذخیره ثبات بازار-2019
Article history:Received 16 January 2018Accepted 24 May 2019Available online 4 June 2019Keywords:EU ETS ReformPolicy Responsiveness ResilienceSupply Management Mechanism Risk-AversionWe study the impact of a supply management mechanism (SMM) similar to the Market Stability Reserve proposed in 2015 which preserve the overall emissions cap and we com- ment on the recent cap-changing amendments. We provide an analytical description of the conditions under which an SMM alters the emissions abatement paths, affecting the expected length of the banking period and its variability. While abatement strategies of risk neutral firms solely depend on the former, for risk-averse firms changes in the latter would lead to higher risk premia, accelerated depletion of the bank and, consequently, fur- ther reduction of abatement and allowance prices. Cancellation of part of the reserve could partially outweigh the effect on risk premia sustaining allowance prices.© 2019 The Author(s). Published by Elsevier B.V. This is an open access article under the CC BY license. (http://creativecommons.org/licenses/by/4.0/)
Keywords: EU ETS Reform | Policy Responsiveness | Resilience | Supply Management Mechanism | Risk-Aversion
مقاله انگلیسی
8 A non-parametric index of corporate governance in the banking industry: An application to Indian data
فهرست غیر پارامتری حاکمیت شرکتها در صنعت بانکداری: برنامه ای برای داده های هندی-2019
This paper presents a methodological framework for constructing a non-parametric index of corporate gov- ernance for banks. The index is constructed by aggregating six distinct dimensional indices capturing different dimensions of corporate governance, namely board effectiveness, audit function, risk management, remunera- tion, shareholder rights and information, and disclosure and transparency. For aggregation, a tailored version of data envelopment analysis (DEA) approach which is popularly known as constrained ‘Benefit-of-the-Doubt (BoD)’ model is employed. This approach is unique and distinctive in the sense that it requires no a priori knowledge of weights, and assigns endogenous weights obtained from actual data to individual dimensions of bank governance in order to construct a composite index of corporate governance. This methodological fra- mework has illustrated by applying it for a data set of 40 Indian banks operating in the year 2017. The data set has been compiled using 58 governance regulations as defined by relevant jurisdictions.
Keywords: Corporate governance index | Data envelopment analysis | Benefit-of-the-doubt model | Indian banks | Composite indicators
مقاله انگلیسی
9 Regulation & oligopoly in banking: The role of banking cost structure
مقررات و الیگپولی در بانکداری: نقش ساختار هزینه بانکی-2019
The post-2008 financial crisis EU banking sector is characterized by recapitalization, a reduction in the number of credit institutions, and cost efficiencies due to the presence of economies of scope. This paper investigates the role of the banking cost structure as a factor influencing the regulatory impact on banking conduct under oligopolistic conditions. Applying the industrial organization approach to banking, commercial banks operate in the context of a two-stage Cournot game with economies of scope and public intervention. This intervention takes the form of minimum solvency requirements imposed by banking authorities. Higher capital provides a buffer against losses on banks’ assets and enhances financial stability. The findings show that stricter prudential regulation reduces loan rates and the interest rate spread. Also, the analysis suggests that banking regulation weakens the effectiveness of monetary policy. Thus, in terms of practical implication, banking supervision strategy should take into consideration the banking cost structure.
Keywords: Capital requirements | Regulation | Monetary policy | Economies of scope
مقاله انگلیسی
10 Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan
تجمیع تئوری یکپارچه پذیرش و استفاده از فناوری در زمینه پذیرش بانکداری اینترنتی: شواهدی از پاکستان-2019
The banking sector has evolved in information technology for their internal and external business operations. In effect, user acceptance of internet banking is considered as one of the most fundamental issue in banking sector. In order to identify which factors affect user intention to adopt internet banking, this study develops an amalgamated model based on technology and social psychological literature. The research model was empirically tested using 398 responses from customers of commercial banks. Data was analyzed using structural equation modeling (SEM). The results of this study provided theoretical and empirical support for newly developed integrated model. Importance performance matrix analysis (IPMA) revealed that assurance is the most influential factor among all others to determine users intention to adopt internet banking. These findings provide valuable insight to marketers and managers to understand customer behavior towards adoption of technology, especially in emerging e-payment domain. To the best of our knowledge, this is the first study that investigates internet banking adoption issues with integrated technology model (UTAUT & E-SQ) in South Asia. Finally the study calls for researchers to use current integrated model in other e-commerce domains such as online shopping websites to establish the external validity of the model.
Keywords: Unified theory of acceptance and use of | technology (UTAUT) | E-Service quality (E-SQ) | Internet banking adoption |Integration | Structural equation modeling (SEM)
مقاله انگلیسی
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