Advances in electronic banking technology have created novel ways of handling daily banking affairs, especially via the online banking channel. The acceptance of online banking services has been rapid in many parts of the world. In the leading e-banking countries the number of ebanking contracts has exceeded 50 percent. This study investigates into online banking acceptance in the light of the ...

by developing the level of life in societies, the need for new resources of energy becomes more important. in almost all cases, the aim is to convert one form of energy to the electrical form. with advances of technology and use of new electric and electronic devices and gadgets, the need for electrical energy is increasing and providing stable and continuous electric power becomes very importa...

Web technology is transforming all businesses into information-based activities and the rate of technological change is so high that emerging electronic commerce is already making fundamental changes in the economic landscape, affecting every aspect of how business is and will be conducted. There is substantial evidence to suggest that e-banking is being embraced by financial institutions in de...

From choosing the daily lunch menu to buying or selling stock options, decisions have to be made every day. In general, due to incomplete information, making a decision carries a risk. Typically, such risks are mitigated through risk management. However, risk is not the only element involved in the decision process. When the decision to be made concerns an interaction between two entities, trus...

a r t i c l e i n f o a b s t r a c t Does the unification of retail and investment banking necessarily heighten risk in financial markets? Using a simple two period intertemporal model with borrower's moral hazard and uninsured risk, we argue that the integration in financial service markets under universal banking could give rise to a greater risk sharing arrangement. This could eliminate the...