Abstract This paper presents an analytical framework that describes the business model of banks. It draws on classical theory banking and literature digital transformation. provides explanation for existing trends and, by extending firm, it illustrates how financial intermediation will be impacted innovative technology applications. further reviews options established banks have to consider in ...

PRELIMINARY AND INCOMPLETE, PLEASE DO NOT CITE WITHOUT PERMISSION. We develop and estimate an empirical model of the U.S. banking sector using a new data set covering the largest U.S. banks over the period 2002-2013. Our model incorporates insured depositors and run-prone uninsured depositors who have rich preferences over differentiated banks. Banks compete for deposits in the spirit of Matute...

The gridlock on the European deposit insurance scheme (EDIS), missing pillar of banking union, is most commonly attributed to moral hazard concerns side Germany. However, Member State preferences EDIS cannot be understood solely based over pre-emptive risk reduction. Instead, sector interests connected institutional setup and legal status national guarantee schemes (DGSs) have also informed the...

In this study, we evaluated the effects of the normalization procedures on decision outcomes of a givenMADMmethod. For this aim, using theweights of a number of attributes calculated from FAHP method, we applied TOPSIS method to evaluate the financial performances of 13 Turkish deposit banks. In doing this, we used the most popular four normalization procedures. Our study revealed that vector n...

In 1975, Social Security beneficiaries were given the option of having their monthly benefit payments sent directly to their banks through an electronic funds transfer system. Since then, beneficiaries have been enrolling in this program in rapidly increasing numbers. At the end of 1976, fewer than 5 million beneficiaries--14 percent of the total--were enrolled in the program. By the end of 198...

Parking Services [1] Parking permits are required to park on campus. Parking permits can be purchased online. Campus Map [2] The Campus map allows you to search for a location on campus by selecting a building or selecting a department name. Identification (ID) card Please visit Human Resources, 5th floor, South Tower, University Centre, to complete an ID application form. Your University of Gu...

Parking Permits [1] Parking permits are required to park on campus. Parking permits can be purchased online. Campus Map [2] The Campus map allows you to search for a location on campus by selecting a building or selecting a department name. Identification (ID) card Please visit Human Resources, 5th floor, South Tower, University Centre, to complete an ID application form. Your University of Gue...

A risk-based premium scheme could be a reliable system to determine fairer deposit insurance premium. This research aimed assess Indonesian banks’ risk profile, including per size classification and ownership as well counterfactually simulate for the individual banks. combined analysis of variance (ANOVA) non-parametric approach applied 75 banks (2008q1-2019q3). The results showed that big did ...

The purpose of this study is to reveal the factors and solutions stagnation Islamic banking. Data were gathered for qualitative through observation, interviews, documentation studies. study's findings demonstrate that growth banks has slowed, as evidenced by their low market share, declining financing deposit ratio, return on assets. expansion Banking staff network offices also slowed down. ban...