Available online 18 October 2014 Extant literature suggests that bank monitoring improves corporate governance. This paper demonstrates that inefficiency in banking can also significantly reduce the equity capital markets' disciplinary power. Specifically, we show that in an environment in which the banking system is dominated by inefficient state-owned banks, controlling shareholders' tunnelin...

E-service quality plays a significant role to achieve success or failure in any organization, offering services online. It will increase the competition among the organizations, to attract the customers on the basis of the quality of service provided by the organization. Better e-service quality will enhance the relationship with customers and their satisfaction. So the measurement of eservice ...

Financial sector plays an important role in the economic development of a country. Banking is the lifeline of an economy. A strong and healthy banking system is important requirement for economic growth. Indian banking industry, today is observing an IT revolution. The implementation of internet in banking organizations has modernized the banks. Implementing the internet banking approach has be...

The study focuses on the Innovative services provided by the banks as mobile banking, phone banking, card banking, internet banking and inter-branch banking. The study analyse the satisfaction level, usage period and user rate of account holders while using these innovative banking services. The study also focus on the inter relationship between the groups and with in the groups. The broad obje...

This paper surveys the literature on the impacts of the Basel Capital Accords on banking market profitability, competitiveness, structure and risk-taking. Special emphasis is applied to the evolution of mortgage markets throughout the world over almost two decades of international bank regulatory policies. This paper has received generous financial support from the Canada Housing and Mortgage C...

This paper uses data from Taiwan’s banking sector to investigate if state-owned banks can serve as an internal regulation mechanism to sustain market competition. In contrast to the traditional second-best literature, the evidence shows that a certain degree of market coordination exis ts in the industry, even if the government owns most of the dominant banks in Taiwan.

Credit scoring is one of the most successful applications in banking and finance. However, most studies do not explain the whole process of scorecard development, probably due to the difficulty in obtaining credit scoring data. This study addresses some of the gaps that are present in the existing literature in that it explains in detail the processes, as performed in practice, of scorecard dev...