In the past decade banks invested heavily in internet technology so as to engage in e-business and ecommerce activities. However, this development exposed banks to threats, such as online fraud. Consequently, there was a need to adopt security measures and controls to mitigate such threats. Banks in developed countries have developed a level of ‘best practice’ to reduce such online threats. The...

This paper discusses beta and sigma convergence of commercial, savings, and cooperative banks in the Eurozone from 1999 to 2012. For this purpose, concepts of the growth and efficiency convergence literature are consulted and GMM, fixed effects models, and OLS are applied. Convergence is analyzed by calculating two efficiency metrics – data envelopment analysis (DEA) and stochastic frontier ana...

We investigate the relationship between real estate markets and bank distress among German universal and specialized mortgage banks between 1995 and 2004. Higher house prices increase the value of collateral, which reduces the probability of bank distress (PDs). But higher prices at given rents may also indicate excessive expectations regarding the present value of real estate assets, which can...

New information technologies and emerging business forces have triggered a new wave of financial innovation -electronic banking (e-banking). This study utilizes an innovation model to analyze the impact of e-banking on the incumbent banks. The results indicate that the nature of e-banking innovation is disruptive, leading to drastic changes in both technological knowledge and business model. We...

by Jeffery W. Gunther and Anna Zhang The banking industry’s treatment of loans has undergone a dramatic transformation over the past two decades. While maintaining their traditional role in originating loans and holding them on their books, banks have become more likely to create and sell securities backed by pools of loans and other debt instruments. Banks’ adoption of the “originate-to-distri...

An impressive variety of multirate lter banks evolved during the past twenty years. We present an algebraic approach that subsumes many concepts developed so far (e. g. multi lters, nonseparable multidimensional lter banks, cyclic lter banks, lter banks with values in nite elds, etc.). In our approach the signals and lters are viewed as elements of a group ring. We give necessary and su cient c...

In today’s very competitive world gaining competitive advantage is bound to arranging products and services of companies and businesses in accordance with customers’ needs. For this purpose, gaining reputation in E-service can be quite helpful. Thus the goal of the present research is studying the effect of E-Banking Service Quality on Bank Reputation. So a coherent collection of structures wer...

This paper presents a new method for designing two-band orthonormal IIR wavelet "lter banks using allpass "lters. It is well known that orthonormal wavelet bases can be generated by paraunitary "lter banks. Thus, synthesis of orthonormal wavelet bases can be reduced to the design of paraunitary "lter banks. In this paper, two-band orthonormal IIR wavelet "lter banks using a parallel connection ...

We study the e¤ects of securitization on interbank lending competition when banks see private signals of local applicants’ repayment chances. If banks cannot securitize, the outcome is e¢ cient: they lend to their most creditworthy local applicants. With securitization, banks lend also to remote applicants with strong observables in order to lessen the lemons problem they face in selling their ...

in the paper an attempt was made to study the performance of indian banks with the help of camel(c-capital adequacy, a- asset quality, m- management quality, e-earnings, l-liquidity i.e. camel) rating system, over the period of five years from (2011 to 2015) and then evaluated out the efficiency of banks with the help of gra (grey relation analysis) technique there by gaining confidence from in...