scholarly journals The Survey on E-banking Strategy in Melli Bank & It’s Impact On Bank’s penetration in the Market

2016 ◽  
Vol 3 (1 & 2) ◽  
Author(s):  
zam Bazooband ◽  
Abdolvahab Baghbanian
Keyword(s):  
Banking Strategy

Technology and Customer Value Dynamics in the Banking Industry

2008 ◽  
pp. 186-201
Author(s):  
Rajagopal
Keyword(s):  
Customer Value ◽  
New Technologies ◽  
Returns To Scale ◽  
Internet Banking ◽  
Point Of View ◽  
The North ◽  
Research Areas ◽  
Customer Lifetime ◽  
Banking Strategy ◽  
Competitive Efficiency

This paper attempts to critically examine the available literature on the subject, discuss a model that provides a framework for analyzing the variables associated with customer value, and to identify potential research areas. The paper argues through a set of linear equations that maximizing customer value which is interdependent factor for technology adoption and profit optimization in the banks need to be backed with appropriate economic parameters for attaining competitive efficiency and optimizing profit. The framework of the construct is laid on the theory of competitive advantage and customer lifetime value, so as to maximize the potential of the organization and all its subsystems to create and sustain satisfied customers. The paper draws theoretical impetus from new technologies in banking services such as mobile banking in the North American region and discusses the technology led marketing process towards optimizing profit. The discussion in the paper also analyzes the main criteria for successful internet-banking strategy and brings out benefits of e-banking from the point of view of banks, their technology and customer values and tentatively concludes that there is increasing returns to scale in the bank services in relation to the banking products, new technology and customer value.

Conventional banks and Fintechs: how digitization has transformed both models

2019 ◽  
Vol 41 (6) ◽  
pp. 19-29
Author(s):  
Elisabeth Paulet ◽  
Hareesh Mavoori
Keyword(s):  
Business Model ◽  
Financial Institutions ◽  
New Technologies ◽  
Business Environment ◽  
Business Practices ◽  
Content Type ◽  
Digital Revolution ◽  
Banking Strategy ◽  
Conventional Banks ◽  
The Impact

Purpose The digital revolution has substantially changed the business environment. Most banks have acknowledged the importance of new technologies to improve performance and client satisfaction. The development of these innovations has led to the entrance of the so-called Fintechs. This paper aims to evaluate the impact of these transformations on the performance of financial institutions and on their business model. Design/methodology/approach The authors use data envelopment analysis and Malmquist total productivity indices to measure financial institutions’ efficiency and their influence on strategy. Findings The main finding is that clients are more than ever at the core of banking strategy. The irrelevance of distance in basic banking transactions has reduced expenses and contributed to increasing revenues for all financial institutions. Banks will have a card to play in the advice they can bring to their clients. Practical implications This research could be of interest for financial managers who wish to re-examine their current business practices and imagine their business model for the future. Originality/value The contribution will be to further define the correlation between the provision of electronic banking services and its performance by including diversified institutions (conventional banks, Fintechs, Gafas) in the sample from multiple geographic zones to identify differences as regards their efficiency and business practices.

“Platformification” of Banking: Strategy and challenges of challenger versus incumbent banks in UK

2019 ◽  
Vol 2019 (1) ◽  
pp. 17147
Author(s):  
Pinar Ozcan ◽  
Markos Zachariadis ◽  
Dize Dinckol
Keyword(s):  
Banking Strategy

Japanese banking strategy in Europe

1991 ◽  
Vol 9 (2) ◽  
pp. 171-173 ◽  
Author(s):  
Charles De La Baume ◽  
Jyoti Gupta
Keyword(s):  
Banking Strategy

scholarly journals Strategi Perbankan Syariah Dalam Menghadapi Pembiayaan Dengan Akad Mudharabah Yang Bermasalah (Studi di Bri Syariah Pamekasan)

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Samsul Arifin
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Profit Sharing ◽  
Natural Setting ◽  
Main Function ◽  
Qualitative Research Method ◽  
Productive Activities ◽  
Banking Strategy ◽  
Financing Problem ◽  
Descriptive Qualitative

   Islamic banking has a main function to distribute funds to the community in need in the form of financing. Financing is a large part of the assets of sharia banks that must be maintained in term of quality. Financing is one of the functions of sharia banks by distributing funds to the community in need (user of funds). One of the contracts used by sharia banks in distributing funds in the form of financing is mudharabah contract. The mudharabah contract is a profit-sharing agreement when the shohibul mall /rabbul mall provides capital (100 percent) to mudharib, to engage in productive activities in which the profit generated will be divided among them according to the agreement specified in the contract.This study is aimed to know and understand how the application of mudaraba contracts and banking strategies in overcoming a financing with mudaraba contracts that are problematic, and to know and understand whether the applied strategy is in accordance with the Fatwa (policies) of DSN MUI.The method used in this research is descriptive qualitative research method or naturalistic research because the research is done on natural condition (natural setting). This descriptive qualitative research method is used to get in-depth data, a data that contains meaning.The findings of the research done in BRI Syariah Pamekasan in facing the financing problems with the mudharabah contract, found two problems. First, the problem arising from the internal banking itself, this problem occurs when BRI Syraiah employees do not run the SOP (procedures) that has been set. Second problem is the external factor of banking. This problem occurs because mudharib/ fund manager has moral hazard. For example, by not using the funds for productive business but used for consumptive costs.Efforts done by BRI Syariah Pamekasan dealing with mudharabah financing problem is by using two approaches. First, the pre-customer approach. This approach focuses on selecting prospective customers both in terms of behavior/ character and business run. Second, the post-customer approach. This approach is carried out when the financing has been distributed to customers and experiencing non-performing financing. This is done by monitoring and restructuring Keywords: Financing, mudharabah contract, banking strategy.

Inspiring mobility for banking enterprises

2013 ◽  
Vol 1 (2) ◽  
pp. 18-20
Author(s):  
Sandeep Bagaria
Keyword(s):  
Mobile Phone ◽  
User Experience ◽  
Leading Edge ◽  
Internet Banking ◽  
Asia Pacific ◽  
Mobile Banking ◽  
The World ◽  
Banking Strategy

Mobile banking is taking the world by storm, accounting for over 590 million users worldwide, which is expected to double to exceed 1 billion by 2017.  Today consumers will not bank with a Bank that does not have internet banking. Tomorrow consumers will not bank with a Bank that does not have mobile banking.In order for banks to create a successful mobile banking strategy, banks need to do more than just provide their internet banking on the mobile phone. They have to focus on innovation and user experience to deliver leading edge mobile banking applications.This article describes how banks in Asia Pacific have leveraged innovation and user-experience to differentiate themselves from their competitors.

Internet Banking Strategy in a Highly Volatile Business Environment

2010 ◽  
pp. 64-100 ◽  
Author(s):  
Abel E. Ezeoha
Keyword(s):  
Banking System ◽  
Research Direction ◽  
Internet Banking ◽  
Business Environment ◽  
Future Research ◽  
Online Business ◽  
Global Nature ◽  
Banking Strategy ◽  
High Degree ◽  
Nigerian Banking

Internet banking strategy can be generally very challenging, but more challenging in an economic environment infested with high degree of corruption, insecurity, bad governance, poverty, and financial system instability. Due to its global nature, Internet banking, under such situation, is threatened by the easiness at which off-line crimes are transmitted into online businesses, and the difficulty in building trusts and confidence in online business relationships. Using the Nigerian case, this chapter aims at establishing some theoretical link between offline country image and Internet banking reputation. The chapter summarizes the structural and regulatory challenges in the Nigerian banking system. It represents and relates the country’s socioeconomic conditions with its Internet business reputation; and lays down past regulatory and global efforts to control the menace of the Nigerian version of Internet frauds. The last two sections of the chapter, respectively, suggest some future research direction and conclude the chapter.

A promising cord tissue banking strategy overcomes low cell yield and viability of cryopreserved Warton's jelly tissue

Cytotherapy ◽  
2017 ◽  
Vol 19 (5) ◽  
pp. S186
Author(s):  
P. Tseng ◽  
W. Lo ◽  
P. Shen ◽  
L. Liu ◽  
X. Xu
Keyword(s):  
Tissue Banking ◽  
Cell Yield ◽  
Banking Strategy
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