We propose an innovative interface protocol that will allow an access to multiple banks from a single outlet. This will enable a single branch to serve customers of several banks. This will in essence deleverage infrastructure of branch from banking business, allow banks to focus on service and product and not infrastructure, which is not its core competency. Having common branch will drastical...

This White Paper sets out the need for financial inclusion of the rural community for India’s development and the important role that the ICT can play in this endeavor. We suggest an integrated framework for the use of the ICT for delivery of rural services in a cost-effective, financially viable and sustainable manner. We identify the major issues in rural finance and indicate the possible way...

Leverage and securitization are at the core of the shadow banking system. We provide a non-technical review of the theory of leverage developed in collateral general equilibrium models with incomplete markets. We explain how leverage can be endogenously determined in equilibrium, and its relation with tail risk, volatility and asset prices. We provide a description of the Leverage Cycle and how...

The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Ind...

The problems of the Chinese financial system, and particularly of its banks, have been well known. Since the reform era began in 1978, steady progress has been made in transforming the financial system, despite which some core problems of the financial system remain unresolved:1 The financial system is unbalanced and underdeveloped. The securities markets are dwarfed by a banking system that is...

This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bankspecific characteristics, (c) banking sector concentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, t...

Muddling through isn’t working. This commentary argues that troubled eurozone nations should simultaneously open restructuring talks while continuing to service their debts normally. Germany, France and other core eurozone nations would have to stand ready to recapitalise the banks most exposed to the restructured debt. The ECB would then stabilise the banking system and the EFSF would stabilis...

The banking industry is a strong leader in the use of Internet technologies for revolutionizing customer services. This study explores demographic and financial factors that may affect the use of Internet-Banking (IB) services provided by a large bank. The study analyzed certain IB activities for a large sample of the bank's customers. The analysis highlights some usage characteristics and patt...

This paper identifies and investigates the factors which influence customers decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMSbased mobile banking in India. Other my study plans to connect the gap of research in the acceptance of mobile banking among the customers. Main challenges are what are the Positive and Negative factors which influence t...

recent growth and developments in internet and electronic services play a significant role in banking industry all over the world especially in iran. it caused an intensive competition between governmental and non- governmental banks in the field of using e-banking services in a way that each bank attempts to attract more customers using high-quality e-services. ways of delivering services, qua...