Pakistan banking sector has gone through tremendous technological changes and launched Online banking Information System (OBIS). However, the literature reports that users are uncertain and indecisive to accept and use the system. Therefore, it generates interest for further research to explore the factors behind users’ reluctance to accept and use OBIS. The literature suggests that there is li...

Background: In organizations, organizational behavior management plays an important role in employee performance and attention to organizational ethics is a tool for promoting organizational performance. The purpose of this study was to prioritize the factors affecting organizational behavior management with emphasis on ethics in the public sector banking industry. Method: This study was an ap...

The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce...

This paper shows that borrowers’ ethical behavior leads lending banks to loosen financing conditions when setting loan rates. We advance the banking literature by stressing that the previous financing loosening is enhanced when there is similarity of lenders and borrowers along their ethical domain given that such similarity brings about familiarity and trust in non-opportunistic behavior betwe...

Finance and indebtedness remain major problems for most countries, especially developing countries it therefore requests to stand in front of them to reduce them and prevent their exacerbation, Global rating agencies are a reflection of the urgent need for investors and borrowers to identify factors affecting creditworthiness to bridge the existing information gap. Iraq was approved for the per...

Human behavior in banking and financial systems is in part made up of a complex mix of political, social and cultural factors. These factors are reflected in expert opinion based political risk scores. Market inefficiency is largely a result of anomalies in human behavior causing information asymmetries. A basic systemic market model is re-specified into a model for international banking system...

Not only in Iran, but throughout the world, banks and banking industry are considered as very important parts of the economy. This study seeks to investigate the impact of the internal characteristics of banks, the structure of the banking industry and the economic situation of Iran on the profitability of the banking system of Iran by exploring the theory of the Structuralism school concerning...

This thesis has two goals. First, it refines our understanding of the role that the clearing banks in Britain played as providers of credit to industrial borrowers in the period between the Macmillan Committee of 1930 and the Radcliffe Committee of 1959. It then analyzes the banking system as a component of the monetary and credit structure in the economy. The conclusion reached is that industr...