Development of information technology in the last few years, have brought about a lot of changes in almost all facets of life. In the banking industry, it has been in the form of banking services offered through an electronic channel. Electronic banking is the wave of the future, it has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings ...

While China has seen rapid economic growth over the last three decades, many studies document a negative correlation between traditional measurements of banking development and economic growth in China. Among many efforts to explain the low efficiency of Chinese banking sector, two arguments focus on the dominance of the four big state-owned banks but they emphasize different facets of the “Big...

F I N A N C I A L I N D U S T R Y P E R S P E C T I V E S 2 0 0 0 1 Internet technology holds the potential to fundamentally change banks and the banking industry. For individual banks, the Internet may “level the playing field” by allowing all banks to easily offer innovative products and access new customers. But a bank that adopts Internet banking must develop different methods of conducting...

This study compares the information security policy (ISP) compliance of the banking industry between the United States and South Korea. The distinctive differences of national culture between both nations has led to meaningful findings of ISP compliance at the organizational and individual levels. Drawing on the Cross Value Framework (CVF), this study conducted a survey and distributed question...

Indian banking industry, today is in the midst of an IT revolution. A combination of regulatory and competitive reasons has led to increasing importance of total banking automation in the Indian Banking Industry. The purpose of the paper is to examine the impact of information technology on operational activities of banks, operational efficiency of employees and to acquaint with the level of sa...

This study aims to determine e-banking usage level among retail banking clients' and to identify the factors that influence the adoption of e-banking in Sudan. A self-administered questionnaire was developed and distributed to a sample size of 400 clients using convenience-sampling method. Data analysis was then based on 269 valid responses. The study results indicate that the majority of retai...

The purpose of this paper is to analyze comparative efficiency of banking system in Pakistan comprising of Islamic banks (IB), conventional banks with Islamic banking division (IBD) and conventional banks (CB). For this purpose we use two methods: First, ratio analysis to analyze cost, revenue and profit efficiency; Second, data envelopment analysis (DEA), for comparative analysis of banks’ tec...

This article discusses the management process of operational risk in financial institutions. The authors summarize the difficulties associated with the applicability of traditional risk management means to operational risk and introduce the Near-Miss management concept as a potential tool for the banking industry. INTRODUCTION Over the last decades, both the banking industry and regulatory bodi...

Clients are the vital artery of every industry and business. Maintaining these customers is one of the most important tasks of any business, especially banks.  The  specific needs  of  customers and  the increasing compe- tition in the banking services market have led banks to create structures that can respond flexibly to these needs. Obviously, one of the important points is that moving to th...