the advancement of information and communications technologies (ict) has significantly intensified market competition the world over. one of the most widespread solutions is the use of enterprise resource planning systems that has proved to support the integration and automation of the processes, the improvement of the performance, and the reduction of costs. erp involves the planning and manag...

competition between the managers of industrial and service organizations to provide their financial needs and credit facilities via the bank's loan is growing daily. other hand, financial resources and credit of banks and financial institutions to provide accommodations to applicants is limit. accordingly the optimal allocation of limit financial resources with the aim of making the maximu...

The banking industry is under pressure. In order to compete, banks should adapt to concentrating on the specific customer needs, following an outside-in perspective. This paper presents the design of a business model for banks that considers this development by providing flexible and comprehensive support for retail banking clients. It is demonstrated that the identification of customer process...

This paper introduces the concept of modularity in financial services, discusses how new value chains are created and addresses emerging opportunities for innovative business models in the digital economy. We argue that innovation occurred in the banking sector despite the lagging adoption of new operational practices but due to technology drive for new ways to provide services. Banking innovat...

N O T E . Much of the analysis in this article is based on Allen N. Berger, Qinglei Dai, Steven Ongena, and David C. Smith, "To What Extent Will the Banking Industry Be Globalized? A Study of Bank Nationality and Reach in 20 European Nations,'' Journal of Banking and Finance, vol. 27 (March 2003), pp. 383-415. The authors of the present article thank David Birks for making available the "Global...

objectives: this paper reviews the current literature on acquired brain injury (abi) with a focus on abi burden, importance of community integration, and community integration definitions suggested by the literature. methods: literature review results: acquired brain injury (abi) is referred to a diverse range of disabilities resulted of injury in different parts of the brain. people with abi a...

This paper investigates banking and capital market developments in Europe and the moves towards the creation of a single financial services market. A critical element in the integration process is the success of the EU's Financial Services Action Plan (FSAP). This seeks to introduce a wide range of legislation aimed at reducing barriers and promoting cross-border trade in financial services esp...