credit risk is defined as a situation in which the liability itself and its interests are not paid back based on the terms determined in contract. in fact, it is considered as the most important risk each bank has to encounter, among the ones present in banking operations, which is actually because of bank's later life being dependent on it. therefore, carefully taken into account, the fac...

This study aims to identify perceptual barriers of Internet banking adoption among Malaysian retail banking customers. The perceptual barrier factors that analyzed were difficulty to operate, hassle to use, unreliable, perceived risk and high connection fees. This study employs a quantitative approach using questionnaire survey at selected banks in Malaysia. The results indicate that there are ...

M-banking has become an important alternative to electronic banking and a popular medium in the developed world. This important mode of business has not been very widely used in the developing world. The acceptance of m-banking appears to be affected by several factors, some of which may be the personal attitudes of the users, influences of normality, and the context in which it is used. The st...

Tightening financial regulation squeezes banking activities into the shadow banking sector, which may hurt financial stability and production (Plantin, 2014). Unlike Plantin’s work, we investigate regulations that reduce banks’ leverage and dampen financial amplification effects. Moreover, our paper studies the trade-off between economic growth and financial stability in light of shadow banking...

Even though there is a plethora of studies investigating the challenges of adopting ebanking services, a search through the literature indicates that prior studies have investigated either user adoption challenges or the bank implementation challenges. This study integrated both perspectives to provide a broader conceptual framework for investigating challenges banks face in marketing e-banking...

This case describes how banking in India has changed after developments in information technology in the last decade. The new private and foreign banks, which are strong in technology, are giving tough competition to old public sector banks. Private banks have pioneered Internet banking, phone banking, anywhere banking, mobile banking, debit cards, automatic teller machines (ATMs), and retail b...

The new information technology is becoming an importantfactor in the future development of financial services industry,and especially banking industry.Electronic banking (e-banking) is defined as the automated delivery of new andtraditional banking products and services directly to customers through electronic,interactive communication channels. E-banking includes the systems that enablecustome...

The development of the North American Free Trade Agreement (NAFTA), the European Economic Community (EEC), and the collapse of the former communist countries, has caused a urry of international banking, trading and investment activities in the recent years. However, the problem with international banking is that, despite the existence of the US Federal Reserve System, following the Federal Rese...

Mobile banking is a newly added service in the banking sector that facilitates banking via mobile devices. With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which makes banking easier, faster, and very cost-effective. Mobile phones have quickly emerged as a successful and popular means of communication in recent years and the re...

In mobile situations, consumers’ perceived risk is the important determinant of whether they adopt the mobile banking service. Meanwhile the root cause of consumers’ perceived risk is the existence of system usability of mobile banking service. After reviewing relevant literature, this text pointed out the system usability of mobile banking service is the important factor of consumers’ perceive...