The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. Growing international trading and problems in transferring money have motivated researchers to introduce a new structure. Online banking is the newest delivery channel for retail banking services. Online banking facilitated by various Electron...

The US banking industry has gone through a decade of mergers and consolidations where the universal view appears to be that achieving larger scale is the only means for survival among the megabanks of the nation and the world. However, one of the smallest banks in the nation, Security First Network Bank, has shaken up traditional bankers by introducing branchless banking via the internet. The i...

Detecting and identifying e-banking Phishing websites is really a complex and dynamic problem involving many factors and criteria. Because of the subjective considerations and the ambiguities involved in the detection, Fuzzy Data Mining Techniques can be an effective tool in assessing and identifying e-banking phishing websites since it offers a more natural way of dealing with quality factors ...

Design of a retail banking distribution strategy is an important issue in that industry. This paper shows the effect of new electronic distribution technologies such as PC banking on the choice of a bank’s distribution strategy. We present a competitive model of distribution strategy choice, including heterogeneous consumers and banks, that allows a rich variety of customer preference and techn...

With regard to the market structure and performance in Bangladesh banking industry, there are two competing hypotheses—the traditional structure–conduct–performance (SCP) hypothesis and the efficiency hypothesis (EH). Using pooled and annual data for the period 1999–2002, this study tests the validity of these two hypotheses. In general, the results of this study support the EH hypothesis as an...

One of the most complicated decision making problems for managers is the evaluation of bank performance, which involves various criteria. There are many studies about bank efficiency evaluation by network DEA in the literature review. These studies do not focus on multi-level network. Wu (Eur J Oper Res 207:856–864, 2010) proposed a bi-level structure for cost efficiency at the first time. In t...

Iranian banking network policymakers are focused on bank consolidation as one of the reform policies in recent years. But before merging banks, it is necessary to examine their effects. Loans are one crucial item in the bankschr('39') balance sheets that are affected by bank consolidation. In the Iranian banking network, loans are offered to various economic sectors. What is important for banki...

We show that a competitive banking system is inconsistent with an optimum quantity of private money. Because bankers cannot commit to their promises and the composition of their assets is not publicly observable, a positive franchise value is required to induce the full convertibility of bank liabilities. Under perfect competition, a positive franchise value can be obtained only if the return o...

JEL Classification: G20, G 21, G28. With the start of deregulation in early 1990s in various parts of the world along with other types of changes in the banking rules and regulations (i.e. relaxing of Glass-Steagall Act 1933 in USA, Financial System Reform Act 1993 in Japan etc.) during the same period, most banks in Europe, USA and Japan as well as in developing world have tried to pursue the ...

European Union (EU) countries have experienced significant deregulation affecting the banking industry, a process culminated in 1993 with the implementation of the Second Banking Coordination Directive. Prior to 1993, cross-border expansions were heavily constrained. Under the current regime, in contrast, banks from EU countries are allowed to branch freely into other EU countries. By removing ...