1. Introduction Facing continuously changing and highly competitive business environment, banks have invested heavily in information technology (IT) to enhance operating efficiency and sustain competitive advantage. Banks have deployed different IT to offer multiple service channels to serve customers and satisfy their needs. Strategically utilizing IT to optimize operating performance, banks h...

We propose the idea of a Quantum Cheque Scheme, a cryptographic protocol in which any legitimate client of a trusted bank can issue a cheque, that cannot be counterfeited or altered in anyway, and can be verified by a bank or any of its branches. We formally define a Quantum Cheque and present the first Unconditionally Secure Quantum Cheque Scheme and show it to be secure against any no-signali...

The technological challenges have led the bank sector to actively bet on technological innovation strategy including the provision of applications for mobile devices. However, the development of mobile tools has had a greater expression for customers than for commercial managers of banks. This paper aims to present an architecture that supports the desmaterialization of transactions at the coun...

In this paper, I examine the role of banks in propagating local economic shocks from one area to another through their network of bank branches, by exploiting a newly developed branch-level dataset. Specifically, I examine the change in the geographical distribution of small business loans within each bank network in response to: 1) increases in deposit growth due to presence in areas with new ...

Remote offices and branch offices, like retail stores, bank branches, or manufacturing plants, are crucial assets in company operations and have unique infrastructure challenges. The major challenge is that these locations are geographically distributed, with few or no IT staff members available. This situation can be exacerbated by often difficult operating conditions such as unreliable wide a...

The topography and neuronal structure of the dorsal nucleus of the lateral geniculate body (GLd) of the common shrew and the bank vole are similar. The lateral geniculate body of both the species examined has a homogeneous structure and no observable cytoarchitectonic lamination. On the basis of the shape of the dendritic arbours as well as the pattern of dendritic arborisations the following t...

The research intended to analyze the effect of financial inclusion strategies on performance commercial banks in Rwanda, a case I&M Bank Rwanda Ltd. specific objectives study were examine agency banking, innovation and loan products guided by three theories which are theory, constraint-induced theory theory. A sample size 92 employees among 1,232 was taken data collected through questionnai...

A new approach or model to the dynamic DEA, referred to as the adjusted dynamic DEA, is proposed in this study. Adjusted dynamic DEA optimizes the production activity of DMUs by introducing adjustment variables to modify the interconnecting activities between consecutive terms, solving conflicts that arise between terms and between management and shareholders. The non-oriented SBM model is used...

The bank-branch restructuring problem seeks to locate bank-branches, maintaining or closing existing branches, in order to provide the service required by its clients, at minimum total cost. This problem has not been the subject of much study, nonetheless it is a common problem that banks are faced with from time to time. We address this nonlinear problem, since economies of scale exist, by for...