a r t i c l e i n f o a b s t r a c t Does the unification of retail and investment banking necessarily heighten risk in financial markets? Using a simple two period intertemporal model with borrower's moral hazard and uninsured risk, we argue that the integration in financial service markets under universal banking could give rise to a greater risk sharing arrangement. This could eliminate the...

Banking system is the part of our daily economics and affects us in one or other way. After revolutionary work field World Wide Web development growth Internet, banking also got benefited it today we see a new comparatively young mostly driven by Internet called e-Banking. Different studies showed that e-banking adoption decision influenced e-Trust e-Service Quality. This paper investigates rel...

becoming one the important features of our lives, e-banking has brought us a more convenient and fast way to accomplish financial activities. despite its growing role, it is considered a challenge for some individuals who prefer to still use traditional banking system. in order to obtain a better understanding of those customers, in the current study, two personality dimensions and four demogra...

Business intelligent (BI) technologies have been adopted by different types of organizations. The banking sector is among the service industry that has been largely influenced by technology currently. This has been manifested in the way the operations of banking have evolved from the pure exchange of cheques, cash, as well as other negotiable platforms to the application of IT (information Tech...

Internet banking is a prominent example of Internet-based applications. Previous research has found that satisfaction, trust, commitment, and loyalty are important factors for Internet banking success. Resistance to adopt Internet banking is often attributed to the role of trust, security, and privacy in e-commerce systems. This study proposes a framework to examine behaviors toward Internet ba...

In order to achieve the goals of business, various channels of communications to customers have to be developed through technology. In the present day banking, total automation of banking operation and is an imperative for all banks to attract more customers, provide efficient service and survive the competition, apart from achieving the profit, which is the main goals of the business. Mobile b...

This paper suggests cultural models for virtual banking based on ethnographic research. The spatial and temporal features of cybersp ace change the traditional banking service and customer relationships via information networks. Virtual banking service is represented as a cultural model of personal financial portal, instant and delayed communication and transactions, and ubiquitous banking. Vir...

In the retail banking context, convergence of technologies has given birth to different channels of distribution like Automatic Teller machines (ATM), internet banking, and mobile banking. This enables the customer to avail the banking services at any time and any where. These technological interfaces are known as self service technologies (SSTs). Customers availing banking services through the...