The presence of moral hazard in the banking sector can have worrying results. This paper examines the role of government guarantees to banks in generating moral hazard in Iran. We test for moral hazard among bank creditors by determining whether protected banks received more funds from creditors than non-protected banks. Empirically, to determine the existence of moral hazard among bank manag...

The soundness and efficiency of banks is one of the important subjects that neglecting it can have adverse consequences for every country's economy. For economies depending on the money market, such as the Iran economy, this subject is more critical. Therefore, in this study, using panel data related to 16 Iranian banks for the annual period of 2010-2017, the economic efficiency was determined ...

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...

Branchless banking is making transaction without visiting a formal banking system. It includes; internet, SMS banking, mobile banking, ATM’s, POS and EFTPOS. Mobile banking has become the future of formal banking system. Hawala is an informal, traditional system for financial transactions in which no money actually enters in bank; all transactions are based on trust among the parties. In Pakist...

m-Banking technology has become one of the most familiar banking features throughout the world. Nowadays millions of inhabitants of Bangladesh are within a network through mobile network coverage. But in the commercial sectors like banking, m-Commerce technology has not been adopted broadly yet. In context of Bangladesh where almost 95% of geographical areas including Chittagong Hill tract regi...

The Nigerian banking system had operated perfectly on the manual banking system where the banking activity is done in a single banking hall with much manual recording system and many paper works. However, there was the issue of poor transparency of the whole process, poor dissemination of financial information and unreliable financial information by the banks. These call for a change and hence ...

In late 1988, the Indonesian government adopted a number of reforms aimed at deregulating the country's banking sector.' Since the reforms, Indonesia's banking system has been undergoing a transformation from an inefficient system dominated by a relatively small number of state-owned banks, to a more volatile system, in which competition among state and privately owned banks is encouraged.' Thi...