scholarly journals The impact of Internet finance to commercial banks in China

2021 ◽  
Vol 6 (1) ◽  
pp. 29
Author(s):  
Meng Wu
Keyword(s):  
Information Technology ◽  
Business Model ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Rapid Development ◽  
Network Technology ◽  
Customer Data ◽  
Internet Finance ◽  
The Impact ◽  
Industry Experience

In recent years, network technology, information technology and data processing technology have become the basis of the competition of Internet financial institutions. With the rapid development of the electronic platform, the accumulation of massive customer data information, Internet finance has a more and broader range of customer resources than that of a single bank. These advantages of Internet finance will have a significant impact on commercial banks. The traditional banks have a mature business model and rich industry experience in finance. Internet finance and traditional commercial banks interact with each other. In this case, this paper will focus on the influence of Internet finance on traditional commercial banks in China.

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.

COMPETITION, RISK AND PROFITABILITY IN BANKING SYSTEM — EVIDENCE FROM VIETNAM

2020 ◽  
Vol 65 (06) ◽  
pp. 1491-1505
Author(s):  
THI HIEN NGUYEN ◽  
HA GIANG TRAN
Keyword(s):  
Information Technology ◽  
Risk Reduction ◽  
Commercial Banks ◽  
Banking System ◽  
Bank Competition ◽  
Competition Index ◽  
Data Set ◽  
Bank Profitability ◽  
Empirical Results ◽  
The Impact

The development in information technology results in a significant increase in bank competition. The question of whether increased competition improves bank profitability and risk reduction is important in many aspects. This paper analyzes the impact of competition on profitability and risk in the context of Vietnam using OLS estimator on data set of 37 Vietnamese commercial banks. The main results present that banks with a higher competition index tend to have higher profitability which is measured by ROE and NIM. In addition, our empirical results also show that banks tend to take on more risk when facing increased competition.

scholarly journals The Role of Information Technology in Customer Satisfaction at the Commercial Banks in the State of Kuwait and the Kingdom of Bahrain

2020 ◽  
pp. 47-54
Author(s):  
Fawaz Alhammad
Keyword(s):  
Information Technology ◽  
Customer Satisfaction ◽  
Commercial Banks ◽  
The State ◽  
Questionnaire Data ◽  
Spss Software ◽  
The State Of Kuwait ◽  
The Impact ◽  
Role Of Information

This research intended to identify the role of Information Technology (IT)in customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain. The study used the descriptive analytical approach and the questionnaire to measure the impact of IT on customer satisfaction. After distributing the questionnaire, data then were analyzed using SPSS software and we had the following results: There is no statistically significant impact for the availability of devices on customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain. It was also revealed that there a statistically significant impact for software, databases, human resources, and networks on customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain.

scholarly journals The Impact of Interest Rate Marketization on Commercial Banks

2021 ◽  
Vol 9 (4) ◽  
pp. 176
Author(s):  
Yulin He
Keyword(s):  
Interest Rate ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Supply And Demand ◽  
System Reform ◽  
Analysis Process ◽  
Interest Rate Marketization ◽  
Rate Transmission ◽  
The Interest Rate ◽  
The Impact

<p>Interest rate marketization means that the interest rate level of financial institutions operating and financing in the money market is determined by market supply and demand. It includes interest rate determination, interest rate transmission, interest rate structure and marketization of interest rate management. At present, there are still many deficiencies and defects in the traditional interest rate management system. The reform of interest rate marketization is the focus of China’s financial system reform. Therefore, we should not only be brave in innovation, but also carefully study and analyze. In the analysis process, this paper focuses on the impact of interest rate marketization on commercial banks, and puts forward some countermeasures.</p>

scholarly journals THE BEHAVIOR IN UTILIZING INTERNET BANKING AS COMMUNICATION MEDIA

2018 ◽  
Vol 10 (3) ◽  
pp. 31-48
Author(s):  
Aprih Santoso ◽  
Emaya Kurniawati
Keyword(s):  
Information Technology ◽  
Rapid Development ◽  
Social Factor ◽  
Internet Banking ◽  
Test Reliability ◽  
Financial Behavior ◽  
Communication Media ◽  
Survey Method ◽  
The Impact ◽  
Branch Bank

 The rapid development of information technology is the impact of globalization. The development of information technology requires that every organization needs information, not only business or government, but also the world of financial institutions. In accordance with this, the information technology has very important position in banking.  The purpose of this research is to analyze and to test empirically the influence of social factors, affect on intentions and its impact on financial behavior in utilizing internet banking technology as communication media. The method used in data collection is survey method by spreading the questionnaires. The research data obtained is based on the perception of students of Economics Faculty, University of Semarang on the use of internet banking technology implemented by Assistant Branch Bank of BNI Bank in University of Semarang environment as medium of communication between students and University of Semarang, with 96 respondents. The research method used validity test, reliability test, and classical assumption test, hypothesis test, multiple linear regression models with SPSS 23. Result of testing and analysis found that social factor and affects directly and indirectly did not affect the financial behavior of internet banking technology utilization implemented by Assistant Branch Bank of BNI Bank in University of Semarang environment as communication media of students with university, through the intention of internet banking technology usage by showing insignificant results.

INFLUENCE OF COMMERCIAL BANKS IN THE STRATEGIC DEVELOPMENT OF THE PROCESSING INDUSTRY

2020 ◽  
Vol 20 (1) ◽  
pp. 171-176
Author(s):  
Omurbek Imaraliev ◽  
◽  
Takhmina Ergeshova ◽  
Aidana Tologon kyzy ◽  
◽  
...  
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Cluster Model ◽  
Raw Materials ◽  
Manufacturing Sector ◽  
Strategic Development ◽  
Processing Industry ◽  
Entrepreneurial Skills ◽  
Manufactured Products ◽  
The Impact

This article has expanded the areas of strategic development of the processing industry and the impact of commercial banks on their development. For the development of the manufacturing sector, it is necessary to accumulate stable reserves of raw materials, as well as to regulate the export and sale of manufactured products. This requires educated personnel with entrepreneurial skills and financial support from financial institutions. Thus, the development of a special cluster model and will unite them to work on this model has on the development of the processing industry, on their competitiveness and the state of competition. The main elements of this cluster model are commercial financial institutions, i.e. cans. In this article, the influence of the cluster model on the strategic development of the processing industry was proved scientifically, practically and methodologically.

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