Numerous information technology (IT)-based innovations from automated teller machines to electronic banking have already changed the customer-bank-interaction. Banks learned that these innovations require close integration with the existing channels, processes and systems in the front as well as in the backend. In view of a still dynamic pace of technological evolution, this research provides a...

If technological revolution is at its peak, one of the notable sectors of the economy where technology is at it helm of affairs with respect to customer service is BANKING. Over the years, banking has transcended from a traditional brick-and mortar model of customers queuing for services in the banks to modern day banking where banks can be reached at any point for their services. In today’s bu...

Risks are factors frequently beyond control and can negatively impact organizational ability to achieve the established goals. These are factors that create differences between the reality and an ideal situation. Accurate evaluation of potential risks is integral to a large-scale project, especially when the project has enormous and longterm organizational implications. In that aspect, the risk...

In this paper, the authors examine how different types of fraud in most Information Technology (IT) environments affect an audit risk model from 2001 through 2008. Variations in IT fraud are questionable for determining the audit risks that affect audit quality and report. The data sources in this study came from the Computer Crime and Security Survey report (CSI) 2008. By relating different IT...

This study investigates the effect of intra-organizational and macroeconomic factors on banking leverage in selected Iranian banks. For this purpose, after calculation of the Banking Leverage for each bank, by using Random-Coefficients Approach (Swamy model), the impact of explanatory variables during the period of 1999-2016 was examined separately by 10 selected Iranian public and private bank...

As Information Technology (IT) has become increasingly important to the competitive position of firms, managers have grown more sensitive to their organization's overall IT risk management. Recent publicity concerning losses incurred by companies becauseofproblcms with their sophisticated information systems has focused attention on the importance of these systems to the organization. In an att...

Today’s world is one with increasing online access to services. One part of this which is growing rapidly is Internet Banking. This is very convenient and the ready access to the Internet in all first world countries , coupled with the cost Savings from closing bank branches , is driving the operation and adoption of these services. Internet banking allows customers to conduct financial transac...

In this paper, we study credit risk transfer (CRT) in an economy with endogenous financing (by both banks and non-bank institutions). Our analysis suggests that the incentive of banks to transfer credit risk is aligned with the regulatory objective of improving stability, and so the recent development of credit derivative instruments is to be welcomed. Moreover, we find the transfer of credit r...

This article examines technology policy and change in the Sudanese banking industry. Attention is given to the context of a developing economy that is aiming to fast track into the international banking arena through the introduction and use of new technology that is consistent with banking IT associated with more advanced industrialised economies. Some of the problems of translating a technolo...