In this paper, we measure systemic risk in the real estate sector based on contingent claims analysis, and then investigate its impact on banking return. Based on the data in China, we find that systemic risk in the real estate sector has a negative effect on banking return, but this effect is temporary; banking risk aversion and implicit interest expense have considerable impact on banking ret...

The main goal of the paper is the presentation of the evaluation methodology of electronic-banking systems from the point of view of small companies. First, e-banking offers of six selected banks for small companies are presented. Then, all potential selection criteria and methods of their hierarchization and validation are discussed. The next step is a comparison of the e-banking offers of six...

This paper suggests cultural models for virtual banking based on ethnographic research. The spatial and temporal features of cybersp ace change the traditional banking service and customer relationships via information networks. Virtual banking service is represented as a cultural model of personal financial portal, instant and delayed communication and transactions, and ubiquitous banking. Vir...

The study examines the economic consequences of regulated disclosure in the banking sector, focusing on its impacts on the stability of banking systems. In a cross-country study of banking systems across 49 countries in the 90s, I find that banking crises are less likely in countries with greater regulated disclosure and transparency. Specifically, banking systems are less vulnerable to crisis ...

The progressions in information technology have changed the operational aspects of the banking sector significantly. Internet banking has been found to be an alternative channel for the traditional banking as it saves time, money and effort. The objective of this study is to identify the prominent factors that influence the public sector bank consumers in India to adopt internet banking service...

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...

JEL Classification: G20, G 21, G28. With the start of deregulation in early 1990s in various parts of the world along with other types of changes in the banking rules and regulations (i.e. relaxing of Glass-Steagall Act 1933 in USA, Financial System Reform Act 1993 in Japan etc.) during the same period, most banks in Europe, USA and Japan as well as in developing world have tried to pursue the ...

Characteristic of every developing nation, Kenya has found itself at crossroads; defining the banking industry with the urge to provide banking services to majority of the unbanked populations. Mobile banking is a banking model that has been adopted by Kenyan Banks to reach out to unbanked populations. This paper is based on a case study conducted in Kenya on selected mobile banking products in...

Introduction It is submitted that accepting Islamic Banking within the western regulatory framework has encountered many impediments. A conventional bank is an institution that holds a banking license issued by banks' regulatory authorities which authorizes the chartered institution to conduct fundamental banking services such as receiving deposits, making loans, providing and saving account se...

The aim of this study is to investigate the factors that determine the local people of Sabah (also known as Sabahan) bank customers’ intention to use mobile banking. This study extends the applicability of the Technology Acceptance Model (TAM) to mobile banking and includes “perceived credibility”, “perceived enjoyment” and “perceived selfefficacy”, in addition to “perceived usefulness” and “pe...