The German Savings Banks Organization established a large enterprise-wide data model as a standard for heterogeneous IT organizations in the mid-90’s and has been using it since. The basic elements, the architecture of the data model and practical experiences are described which show significant benefits for the organization on several levels.

We provide evidence from field experiments with three different banks, that reminder messages increase commitment attainment for clients who recently opened commitment savings accounts. Messages that mention both savings goals and financial incentives are particularly effective, while other content variations such as gain versus loss framing do not have significantly different effects. Nor do w...

ECAUSE of the many failures of banks and thrift institutions in recent years and the high cost of liquidating or reorganizing the bankrupt savings and loan associations, policymakers are now considering major changes in the way they supervise and regulate depository institutions in the United States. The Financial Institutions Reform, Recovery and Enforcement Act of 1989, which provides the fun...

This study aims to examine the factors that influence customer interest in saving at Islamic banks. Samples were taken from 111 respondents with results of data quality testing showing all indicators make up variables this study, namely service quality, religion and promotion. valid reliable so it can be continued for hypothesis testing. To test hypothesis, Multiple Linear Regression analysis t...

This paper unifies the growth and profit strands in the empirical banking literature. A model allowing for bi-directional causality between growth and profit is used to test for the law of proportionate effect (LPE) and persistence of profit (POP), using 1990s European banking data. Larger commercial banks grew faster than smaller ones. The LPE describes the growth of savings and co-operative b...

The rapid advancements in communication and information technology have changed the functional scenario of the banking sector significantly. The savings in time, money and effort by a novel channel of banking called as internet banking has been found to be an optional channel for the traditional banking. The objective of this study is to identify the determinants of internet banking adoption in...

This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cau...

A growing part of the energy, battery-driven embedded system, is consumed by the off-chip main memory. In order to minimize this memory consumption, an architectural solution is recently adopted. It consists of multi-banking the addressing space instead of monolithic memory. The main advantage in this approach is the capability of setting banks in low power modes when they are not accessed, suc...

How Well Capitalized Are Well-Capitalized Banks? T he wave of bank and savings and loan failures in the 1980s and early 1990s, and the resulting losses to deposit insurance funds, served to highlight the need for banks to hold sufficient capital to survive difficult times. In addition, many argued that deposit insurance made it imperative that banks be better capitalized, since deposit insuranc...

For much of the last decade, Japan’s banking crisis has been at the center of attention in the ongoing discussion of that country’s broader economic difficulties and of what public policy actions could alleviate them. The enormous loan losses and balance sheet erosion that nearly all Japanese banks have sustained during this period, and the resulting impairment of their ability to carry out ord...