For Iran as an oil exporter country, heavy reliance on the extractive sector for generating fiscal revenues and export earnings translates into increased vulnerabilities to oil price shocks. The structure of the economic policy, and the   banking systems make macroprudential policy a particular relevant tool for Iran. The capital adequacy is a macro prudential instrument used to maintain the st...

Over the last three decades the role of banking in the process of financial intermediation has been undergoing a profound transformation, owing to changes in the global financial system. India’s banking system has seen some major financial innovations in the past decade as well as steps to promote financial inclusion, schemes that aim to take banking services to yet-to-be-banked areas. The vari...

Launching in Romania the banking products and services with long-distance access was based on image motives for the Romanian banks, domestic institutions or foreign banks branches. In this way, banks wanted to be innovative and they didn’t address necessarily to their clients’ needs. Once the long-distance payment instruments diversified and once the clients became aware of the benefits of such...

The article investigates the Swedish retail banks’ application of price bundling in order to attract new customers, students. This is done through a customer survey about students’ preferences concerning retail banking services, their price sensitiveness and banking behaviour. The conjoint analysis results showed that the students had relatively heterogeneous preferences, and four distinguishin...

The invention of mobile phones makes the human life easier. The purpose of this study is to identify security risks in mobile banking and to provide an authentication method for mobile banking transaction by using bio-metric mechanism. Current mobile banking authentication is challenging and identified as a major security risk. Literature review shows that customer distrusts mobile banking due ...

Is the bank holding company a vehicle that ought to be used for purposes of public policy to permit banking organizations to perform functions that ought not be performed by banks per se? Or is the bank holding company structure merely an entity with no social function an historical and political accident? The latter view seems to have pervailed in the deliberations of the Commission on Financi...

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 ...