Design of a retail banking distribution strategy is an important issue in that industry. This paper shows the effect of new electronic distribution technologies such as PC banking on the choice of a bank’s distribution strategy. We present a competitive model of distribution strategy choice, including heterogeneous consumers and banks, that allows a rich variety of customer preference and techn...

With some of the largest mergers in history now taking place in the financial services industry, it is easy to overlook the fact that industry consolidation involves small institution mergers as well as megamergers. The factors that are promoting consolidation among larger banks are also relevant for the smallest banks: the liberalization of bank branching and interstate banking rules; the need...

Globally, there is a shortage of health workers in rural areas. Effective health systems depend on having sufficient, accessible health workers with the right skills. In countries like Nepal, highly skilled health workers often prefer to work overseas or in urban centres, and therefore, in the short term, it may be pragmatic to focus on ensuring support and skills development of mid level or pa...

We investigate a banking system subject to repeated macroeconomic productivity shocks. By lowering the interest rates, the central bank can increase the intermediation margin, which fosters the recapitalization of banks. We show that without lowering interest rates, the banking system faces the risk of collapsing. When interest policy is aimed only at avoiding a banking collapse, the economy co...

Previous studies seem to agree that increased competition would cause riskier banking behavior. This dissertation shows that when competition intensiÞes, banks have greater incentives for screening loan applicants, and thus loan quality may improve. In addition, competition fosters banks to rely less on collateral requirements. Hence, banks may be less vulnerable to asset price shocks. The empi...

Launching in Romania the banking products and services with long-distance access was based on image motives for the Romanian banks, domestic institutions or foreign banks branches. In this way, banks wanted to be innovative and they didn’t address necessarily to their clients’ needs. Once the long-distance payment instruments diversified and once the clients became aware of the benefits of such...

This paper provides a review of the security aspect of mobile banking applications. We employed blog mining as a research method to analyze blog discussion on security of mobile banking applications. Furthermore, we used the workflow technology to simulate real-life scenarios related to attacks on mobile banking applications. Insights are summarized to help banks and consumers mitigate the secu...

Banks have moved towards technology-based customer services such as mobile banking (m-banking); as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper customers’ adoption in Egypt. Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the form of 350 structured qu...

Recent attempts to repeal the Glass-Steagall Act, which would allow commercial banking to mix with investment banking, have again initiated debate over current regulation prohibiting the affiliation between banking and commerce. Although participants in that debate have put forward many arguments based on U.S. historical experience, international evidence, and research results, the debate remai...

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...