Since the early 1980s, the U.S. banking industry has seen a strong trend toward consolidation, partly because of state regulatory changes permitting out-of-state bank acquisitions. There were 6,157 bank mergers and acquisitions (M&As) between 1981 and 1994 (Rhoades [1996]). Consolidation of this magnitude has brought significant changes to the banking sector that are in themselves worth investi...

1567-4223/$ see front matter 2011 Elsevier B.V. A doi:10.1016/j.elerap.2011.07.005 q The authors are grateful to CGAP, CAPES and C financial support granted for this research. ⇑ Corresponding author. Tel.: +55 11 33842416. E-mail address: [email protected] (M. Jayo). Over the last decade, Brazil has pioneered an innovative model of branchless banking, known as correspondent banking, involvin...

Purpose To identify and discuss the issues and success factors surrounding biometrics, especially in the context of user authentication and controls in the banking sector, using a case study. Design/methodology/approach The literature survey and analysis of the security models of the present information systems and biometric technologies in the banking sector provide the theoretical and practic...

Smart Tawarruq is an application concept that uses two related instruments, namely the use of a smart contract system based on Bay' Al-Tawarruq guidelines, type sale and purchase used as one instruments in Islamic finance. This study discusses examines concepts Contract both combination making it new concept, Tawarruq. also touched views past contemporary jurists ruling applying with to realize...

E-banking has become a new way of doing business and an important alternative for many banks and their customers. The acceptance of e-banking is affected by several factors, including the personal attitude of the users that influences normality and the context in which it is used. This study examines 150 customers of four major banks in Brunei Darussalam to explore the behavioral intent of the ...

The banking landscape in Europe and Germany has a polypolistic market structure with an average vertical range of integration of 80%, implying high process redundancies. Accumulating processes for standardized products is one way to achieve efficiency improvements. “Smart sourcing” can change the production mix of banks lead to a concentration of processes. A challenge is the lack of consistent...

The discipline of operations management (OM) has long been offering differing quantitative techniques for improving the efficiency of banking operations. However, there has been a trend in recent years that operations and services of the banking industry are becoming more diverse and unstructured, rendering many traditional OM quantitative techniques less effective in performance improvement. B...