We quantify the impact of bank market power on monetary policy transmission through banks to borrowers. estimate a dynamic banking model in which affects imperfectly competitive banks' funding costs. Banks optimize pass-through these costs borrowers and depositors, while facing capital reserve regulation. find that explains much borrowers, with an effect comparable When federal funds rate falls...

results after controlling for gender and educational level, we observed statistically significant differences in the modified means between the patients who considered the behavioral risk factors and those who considered the physiological risk factors (p = 0.012, md = 5.03) and between the patients who regarded the behavioral risk factors and those who regarded the psychological risk factors (p...

This paper aims at shedding light on the influence of guarantees on the loan pricing (banking interest rates), by focusing on three different types of customers: firms, producer households and consumer households. The relevance of guarantees in lending activity is widespread acknowledged, and their role is recognized in the New Basel Capital Accord (Basel II) that foresees a specific regulation...

Adoption of online banking has been studied in detail with respect to theories of consumer behavior, yet the adoption of Internet banking still provides an attractive area of research. A new wave of research supports the importance of understanding consumer behavior within the perspective of resistance, and attempts to address the theoretical knowledge gap between technology acceptance and adop...

The rapid development of Internet and electronic businesses have stimulated the banking sector towards encouraging customers to internet banking (IB), However, the evidence indicates a lack of interest in the use of IB services. Therefore, this paper aims to identify affecting factors on customer adoption from IB and measure the influence of each factor on IB adoption. Based on an explorative l...

Internet banking is becoming one of the important services to many consumers. Most of the banking transactions can now be done online regardless of time and place. Information security is one of the crucial components in Internet banking where it ensures the confidentiality of bank users’ information. It was found that there is lack of empirical studies on awareness of information security in I...

Despite the potential benefits that online banking offers consumers, it has low adoption rate. We systematically review online banking adoption literature to propose two research models of factors affecting pre-adoption and post-adoption of the online banking. To test our proposed models, we applied a two-stage random-effects meta-analytic structural equation modeling method to data collected f...

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and p...

Although millions of dollars have been spend on building mobile banking systems, report on mobile banking systems has shown that potential users may not use the systems in spite of their availability. There is a need for research to identify the factors that determine users’ acceptance of mobile banking. According to the technology acceptance model (TAM), perceived ease of use and perceived use...