Started as a mono-line focused purely on savings, in late 2012 ING Direct Spain was becoming a full-service bank. To this end, the bank had substantially increased its productand channel-portfolio. ING Direct Spain originally provided “simple”, “good value for money” products in an “easy to deal with” way at low cost supported by a direct model. But with the growth in its product portfolio duri...

Office-based percutaneous revision of a testicular prosthesis has never been reported. A patient received a testicular prosthesis but was dissatisfied with the firmness of the implant. In an office setting, the prosthesis was inflated with additional fluid via a percutaneous approach. Evaluated outcomes included patient satisfaction, prosthesis size, recovery time, and cost savings. The patient...

This paper addresses reputation and familiarity as determinants of trust in online banking and examines the effects of experience as a moderator in a Latin American context. The study uses data from two countries, Chile and Bolivia that represent the highest and lowest Internet penetration in the region. The effects of reputation and familiarity on trust are supported. However, these relationsh...

In recent years, central banks have increasingly turned to “forward guidance” as a central tool of monetary policy, especially as interest rates around the world have hit the zero lower bound. Standard monetary models imply that far future forward guidance is extremely powerful: promises about far future interest rates have huge effects on current economic outcomes, and these effects grow with ...

Banjarejo Village has piles of unorganized waste, so innovation is needed in waste management through banks. The provided the website rsdbanjarejo.com which can monitor efficiency carried out by In addition, local villagers exchange for groceries or cash it into savings. activities started with socializing bank, raising commitment, forming a new bank management, presenting material about and tr...

The European banking industry joined forces to achieve a fully integrated market for retail payment services in the euro area: the Single Euro Payments Area (SEPA). Against this background, the present paper examines the fundamental relationship between retail payment business and overall bank performance. Using data from across 27 European markets over the period 2000–2007, we analyse whether ...

The performance of a ‘capital certain’ Divisia index constructed using the same components included in the Bank of England’s MSI plus national savings; a ‘risky’ Divisia index constructed by adding bonds, shares and unit trusts to the list of assets included in the first index; and a capital certain simple sum index for comparison is compared. The evidence suggests that co-evolutionary strategi...

Indonesian Islamic banks are in Indonesia engaged banking financial institutions that meet the public's needs for financing transactions. Bank Syariah Magelang Singosari Sub-Branch Office is having problems with financing. Factors cause problematic come from internal factors and external factors. This research aims to find out what funding at Sharia banks, how deal ineffective Bank, Office. met...

This paper presents a dynamically adaptive proximity controller (APC) to balance energy consumption and user comfort of computer screens in office environments. Our APC system detects desk activities, such as working with the computer screen (screen on) and being away (screen off) and controls screens accordingly. Ultrasound range (USR) sensors were used to measure user proximity. To compensate...

This is an empirical analysis which depicts the preference significance of private commercial banks to establish the importance of various criteria that attracts the young customers. In here, this study segregates the different criteria which are significantly more important in inspiring selection over time and those which have been considerably less important. For this study, sample size was 1...