scholarly journals To the problem of using an automated workplace by people with disabilities

2021 ◽  
Vol 21 (3) ◽  
pp. 290-296
Author(s):  
A. A. Baskakov ◽  
A. G. Tarasov
Keyword(s):  
Banking Sector ◽  
People With Disabilities ◽  
Commercial Banking ◽  
Expert Assessment ◽  
Negative Experience ◽  
Software Products ◽  
Banking Organization ◽  
Global Priority ◽  
Limb Injuries ◽  
Hearing Problems

Introduction. Employees of the banking sector with health restrictions have negative experience of using internal software to interact with customers and perform their official duties. Many employees, for example, with hearing problems, would like to work in call centers, but do not have this opportunity due to the outdated software. The research objective is to analyze the priority tasks for the further development of software products, taking into account the existing health problems of employees.Materials and Methods. One of the subsystems of the automated workplace (hereinafter referred to as the AWP) was selected the software, which allows the employee to interact directly with the clients of the given organization. The analysis used the method of expert evaluation by T. L. Saati with the assistance of one of the experts in the development of software for people with disabilities.Results. Using the fundamental preference scale and expert opinion in the field of software development for people with disabilities, a priority matrix was built for each of the criteria (subtitles, simplified fonts, voice guidance, simplified and remote management) and platforms (IOS, Android, Windows OS), as well as a global priority matrix for all criteria and platforms.Discussions and Conclusions. An expert assessment of several characteristics of the software of a commercial banking organization of the Russian Federation was carried out to identify the disadvantages of using the software by employees with disabilities. During the analysis, intermediate conclusions were made: the most demanded criterion for people with hearing problems is “Subtitle”; for people without the ability to leave the house — “Remote control”; for people with amputations or irreversible limb injuries — “Simplified control”. The other parameters are not recommended for implementation.

EMERGING TRENDS IN BANKING SECTOR - ITS CHALLENGES AND OPPORTUNITIES

2018 ◽  
Vol 6 (26) ◽  
Author(s):  
Karigoleshwar .
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Major Change ◽  
Commercial Banking ◽  
Foreign Banks ◽  
Emerging Trends ◽  
Reserve Bank ◽  
Challenges And Opportunities ◽  
Multiple Regions

In financial sector the banking industry is the largest player, has also been undergoing a major change. Today the banking industry is stronger and capable of withstanding the pressures of competition. Today, we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the fountain Head of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry has been so stupendous that it has no parallel in the annals of banking anywhere in the world. The banking industry has experienced a series of significant transformations in the last few decades. Among the most important of them is the change in the type of organizations that dominate the landscape. Since the eighties, banks have increased the scope and scale of their activities and several banks have become very large institutions with a presence in multiple regions of the country.' The paper examines the new trends in commercial banking. The present era the cashless transactions, E-cheques, mobile wallets. The paper attempts to present the emerging trends and its challenges that recently emerged in the banking sector with special emphasis on digitization. It will be useful to the academicians, banking and insurance personnel, students and researchers. Common readers also know the latest innovations in banking sector

China’s shadow banking sector: beneficial or harmful to economic growth?

2015 ◽  
Vol 7 (4) ◽  
pp. 421-445 ◽  
Author(s):  
James R. Barth ◽  
Tong Li ◽  
Wen Shi ◽  
Pei Xu
Keyword(s):  
Economic Growth ◽  
Banking Sector ◽  
Commercial Banking ◽  
Global Perspective ◽  
Shadow Banking ◽  
Content Type ◽  
Wide Range ◽  
Recent Developments ◽  
Major Factors ◽  
Made In

Purpose – The purpose of this paper is to examine recent developments pertaining to China’s shadow banking sector. Shadow banking has the potential not only to be a beneficial contributor to continued economic growth, but also to contribute to systematic instability if not properly monitored and regulated. An assessment is made in this paper as to whether shadow banking is beneficial or harmful to China’s economic growth. Design/methodology/approach – The authors start with providing an overview of shadow banking from a global perspective, with information on its recent growth and importance in selected countries. The authors then focus directly on China’s shadow banking sector, with information on the various entities and activities that comprise the sector. Specifically, the authors examine the interconnections between shadow banking and regular banking in China and the growth in shadow banking to overall economic growth, the growth in the money supply and the growth in commercial bank assets. Findings – Despite the wide range in the estimates, the trend in the size of shadow banking in China has been upward over the examined period. There are significant interconnections between the shadow banking sector and the commercial banking sector. Low deposit rate and high reserve requirement ratios have been the major factors driving its growth. Shadow banking has been a contributor, along with money growth, to economic growth. Practical implications – The authors argue that shadow banking may prove useful by diversifying China’s financial sector and providing greater investments and savings opportunities to consumers and businesses throughout the country, if the risks of shadow banking are adequately monitored and controlled. Originality/value – To the authors’ knowledge, this paper is among the few to systematically evaluate the influence of shadow banking on China’s economic growth.

TEACHING CAPABILITIES OF ROBOTIC VR- CONSTRUCTORS IN THE TRAINING PROGRAMS OF AGRICULTURAL ENGINEERS FOR THE DOMESTIC FARM INDUSTRY

2021 ◽  
pp. 75-79
Author(s):  
Ye.S. Simbirskikh ◽  
◽  
NIKITA O. RACHEEV ◽  
Keyword(s):  
Agricultural Education ◽  
Training Programs ◽  
Expert Assessment ◽  
Practical Training ◽  
Virtual Objects ◽  
Software Products ◽  
Agricultural Engineering ◽  
Course Syllabi ◽  
University Course ◽  
Traditional Roles

The paper discusses the didactic advantages and features of the use of such immersive technologies as “virtualconstructor” in the practical training of BSc students (training area 35.03.04 “Agricultural Engineering”) for the domestic farmindustry. VR-constructors are software products that fully emulate a virtual environment with a 360° view, the distinctive featureof which is to maximize the possibilities for interacting with virtual objects in terms of their study, movement and transformationof the object system. As applied to the training of agricultural engineers such systems of virtual objects can be represented by properlydesigned training mechanisms of engines, various irrigation systems in hydroponic installations or a specifi c soil profi le with itsindividual horizons. The authors conducted analysis of scientifi c literature, refl ecting the practice of the application of virtualreality technology to be used in the training of university students. The study has revealed the lack of precedents comprehensiveintroduction of VR technology as an eff ective learning tool in higher agricultural education in Russia and abroad. After conductingthe experiment based on a number of expert assessment methods, two VR software products of the “VR-constructor” type wereidentifi ed, which are recommended for implementation in course syllabi for BSc training in agricultural engineering in: “3D-cardfi le of soil sections” and “VR-atlas of agricultural machinery”. The study of the teaching capabilities of these curricula has statedthe need to change the traditional roles of the teacher and the student and the necessity for further scientifi cally-based introductionof university course syllabi of various levels to train more competitive and highly qualifi ed personnel for the innovative agriculture of Russia.

Contemporaneous or causal? Evaluating the triumvirate of insolvency risk, capitalization and efficiency in Indian commercial banking

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Navendu Prakash ◽  
Shveta Singh ◽  
Seema Sharma
Keyword(s):  
Cost Efficiency ◽  
Banking Sector ◽  
Generalized Method Of Moments ◽  
Commercial Banking ◽  
Seemingly Unrelated Regression ◽  
Bank Capital ◽  
Short Term ◽  
Content Type ◽  
Insolvency Risk

PurposeThis paper empirically examines the short-term and long-term associations between risk, capital and efficiency (R-C-E) in the Indian banking sector across 2008–2019 to answer the presence of causation or contemporaneousness in the R-C-E nexus.Design/methodology/approachThe paper focuses on three objectives. First, the authors determine short-term causality in the risk–efficiency relationship by studying the simultaneous influence of a wide array of banking risks on DEA-based technical and cost efficiency in static and dynamic situations. Second, the authors introduce bank capital and contemporaneously determine the interplay between R-C-E using seemingly unrelated regression equation (SURE) and three-staged least squares (3SLS). Last, the authors assess stability in inter-temporal associations using Granger causality in an autoregressive distributed lag (ARDL) generalized method of moments (GMM) framework.FindingsThe authors contend that high capital buffers reduce insolvency risk and increase bank stability. Technically efficient banks carry lesser equity buffers, suggesting a trade-off between capital and efficiency. However, capitalization makes banks more technically efficient but not cost-efficient, implying that over-capitalization creates cost inefficiencies, which, in line with the cost skimping hypothesis, forces banks to undertake risk. Concerning causal relationships, the authors conclude that inefficiency Granger-causes insolvency and increases bank risk. Further, steady increases in capital precede technical and cost efficiency improvements. The converse also holds as more efficient banks depict temporal increases in capitalization levels.Originality/valueThe paper is perhaps the first that acknowledges the influence of the “time” perspective on the R-C-E nexus in an emerging economy and advocates that prudential regulations must focus on short-term and long-term intricacies among the triumvirate to foster a stable banking environment.

scholarly journals Banking sector competitiveness

2021 ◽  
Vol 10 (2) ◽  
pp. 195-202
Author(s):  
Champika Liyanagamage
Keyword(s):  
Sri Lanka ◽  
Business Models ◽  
Banking Sector ◽  
Positive Impact ◽  
Balance Sheet ◽  
Estimation Procedure ◽  
Commercial Banking ◽  
Sri Lankan ◽  
Level Data ◽  
Banking Institutions

Despite core banking, banks also engage in off-balance-sheet (OBS) market activities. In many developed banking industries, OBS activities have grown to be significant during the last two decades. This paper provides rather scarce evidence on the competitiveness among banks for OBS activities and its impact on the degree of banking sector competition in Sri Lanka. Panzar-Ross H statistic approach employing in this study to estimate bank competition used a comprehensive set of bank-level data of the whole commercial banking sector in Sri Lanka covering the period 1996-2018. The first-round analysis of the study uncovers substantial differences among banks concerning the OBS activities. EGLS panel estimation procedure applied in this study provides evidence for a lower level of competitiveness among Sri Lankan banks for OBS activities. More interestingly, the findings further reveal that the degree of competitiveness for OBS activities has a significant positive impact on the overall competitiveness of the banking sector in Sri Lanka.  These results suggest banking institutions re-visit their business models with greater emphasis on nonconventional banking activities in enhancing bank-level efficiency and hence positively contributing to the overall competitiveness of the banking sector.

scholarly journals The impact of risk factors on the financial performance of the commercial banking sector in Barbados

2018 ◽  
Vol 7 (1) ◽  
pp. 76-93 ◽  
Author(s):  
Anthony Wood ◽  
Shanise McConney
Keyword(s):  
Risk Factors ◽  
Credit Risk ◽  
Financial Performance ◽  
Banking Sector ◽  
Negative Impact ◽  
Interest Rate Risk ◽  
Commercial Banking ◽  
Country Risk ◽  
Risk Variable ◽  
The Impact

The objective of this paper is to determine the impact of risk factors on the financial performance of the commercial banking sector in Barbados using quarterly data for the period 2000 to 2015. The empirical results indicate that Capital Risk, Credit Risk, Liquidity Risk, Interest Rate Risk and Operational Risk have statistically significant impacts on financial performance. The only risk variable which does not derive this result is Country Risk. In addition, of those variables which proxy external factors, only GDP Growth has a statistically insignificant influence on financial performance. Credit risk exerted a negative impact on the banks’ financial performance, thus the banks must ensure they adopt appropriate measures to minimise the impact of this risk. Higher levels of capital impacted positively on the banking sector’s profitability. This paper is the first effort employing such an extensive dataset based on Barbados’ commercial banking sector and shows the main factors that influence commercial banks’ financial performance in this developing economy.

scholarly journals Digitalization trend in business

2021 ◽  
Vol 284 ◽  
pp. 07008
Author(s):  
Oksana Pirogova ◽  
Nadezhda Savelyeva ◽  
Tatiana Timkina
Keyword(s):  
Business Processes ◽  
Banking Sector ◽  
Development Trend ◽  
The Internet ◽  
Service Model ◽  
Software Products ◽  
Market Participants ◽  
Digital Services ◽  
Commodity Money ◽  
Patterns Of Behavior

The aftermath of the pandemic in 2020 shocked the country’s economy, but at the same time, the desire to keep the business allowed, in record time, to completely rebuild the usual patterns of behavior in the implementation of business processes across all sectors of the economy. The inability to go to work, solve everyday issues, carry out a commodity-money exchange, allowed the remote service model to burst so rapidly. The construction of a mechanism for the formation of work on the basis of electronic platforms, software products, Internet sources made it possible to form a single development trend - digitalization. This process is inextricably linked with the Internet, the digitization of the actions of all market participants. In this article, using the banking sector as an example, the main problems of modern digital services are considered, based on which the main directions of innovation are put forward, as well as promising areas of investment are substantiated.

scholarly journals Does Market Power Affect Banking Dividend Policy? Evidence from Nepal

2021 ◽  
Vol 1 (4) ◽  
pp. 297-306
Author(s):  
Sahadev Bhatt
Keyword(s):  
Market Power ◽  
Banking Sector ◽  
Market Competition ◽  
Influencing Factor ◽  
Commercial Banking ◽  
Agency Conflicts ◽  
Dividend Payment ◽  
Lerner Index ◽  
Asset Growth ◽  
Structural Measure

We attempt to explain how market power impacts bank dividend payment behaviors in Nepal by taking the sample from the commercial banking sector employing a panel data regression model. Using the Lerner Index (LI), a non-structural measure of market power or lack of competition, we found that market power inversely but statistically insignificantly affect dividend payment. This finding leads us to conclude that market power-a proxy of more or less competition is not an important and influencing factor to the dividend decisions in commercial banking sectors signifying that competition does not seem helpful in mitigating agency conflicts. It is also concluded that banking dividend payouts are not the result of the punitive influence of product market antagonism. Further, among other firm-specific determinants, bank size and leverage significantly positively whereas asset growth significantly negatively affect the dividend decision. However, profitability is found insignificant determinant of dividend payment. The paper enriches and contributes to the literature on banking dividend payout and helps to identify the key factors that affect banking dividend decision-making.  Keywords : Banks, Market competition, Market power, Lerner Index, Nepal

scholarly journals المحددات التي تواجه نظام الرقابة الداخلية في بيئة المصارف التجارية

2017 ◽  
Vol 3 (4) ◽  
pp. 179
Author(s):  
Journals UHD ◽  
Dana Akram Faqe Mahmood ◽  
Shilan Arf Ahmad
Keyword(s):  
Control Systems ◽  
Internal Control ◽  
Commercial Banks ◽  
Banking Sector ◽  
Commercial Banking ◽  
Negative Effects ◽  
Internal Auditor ◽  
Regulatory Systems ◽  
Policies And Procedures ◽  
Banking Institutions

This study was conducted to examine the work of internal control systems in banking institutions. It focused on studying the determinants facing the internal censorship system in the commercial banking sector by identifying the deficiencies and shortcomings in the regulatory systems and their negative effects from financial and administrative failure, the overall weak performances and etc, and also by determining the main reasons and obstacles that prevents the application from development of the internal censorship systems in commercial banks. A practical study had been made on a sample of the commercial banks operating in Sulaymaniyah governorate .In order to achive the goal, five commercial banks were used to collect the data from. The researchers used questionairre while collecting data in which they entered the information and data were processed automatically and through statistical models in order to test hypotheses and prove them. The results of the statistical analysis showed that there is a strong correlation between the variables of the research hypothesis and the internal censorship's objectives and the constraints facing to their application in the commercial banking sector of a degree at (0.607). The results showed that the increase of the determinants of the work of internal censrorship systems affected the achievement of the objectives that pursuied by the internal censorship in commercial banks in specifics. The researchers reccomended that there should be a commitments to the laws , accounting policies and procedures that applied to protect the assets especially by the commercial bank's management and to detect errors , fraud and manipulation to support the independency of the work of internal auditor and activate its role to achieve the objectives targeted by the internal censorship systems in commercial banks.

scholarly journals New Joinee Attrition in the Banking Sector and the Interventions Used For Retaining Them

2017 ◽  
Vol 5 (1) ◽  
Author(s):  
Sreya Roy Chowdhury ◽  
Seema Singh
Keyword(s):  
Banking Sector ◽  
West Bengal ◽  
Likert Scale ◽  
Clear Understanding ◽  
Personal Factors ◽  
North East ◽  
Banking Organization ◽  
Eastern Zone ◽  
Retention Initiatives ◽  
Job Role

This study investigated the major satisfiers and dissatisfiers, that cause new joinee attrition in the banking sector. New joinees are employees, who have been recruited and have not spent more than a year in the organisation. It also evaluated the effectiveness of the initiatives, taken up by the banking organization to retain new joinees along with the top three issues,that are being faced by the new joinees. A sample of 100 employees, hailing from the banking sector in the Eastern Zone of India (West Bengal, North East, Bihar and Jharkhand) was taken. The identification of the satisfiers and the dissatisfiers was done by using archival records (exit surveys, feedback) and a self constructed five point Likert scale that focused on five domains, namely- Job Role, Training, Work Environment, HR Operations, and Personal Factors. For evaluating the effectiveness of the organization’s retention initiatives, another self-constructed five point Likert scale was used. The results indicated clear understanding of job role, cooperating HR team, and the software-related training that is provided to the new as the major satisfiers. Dissatisfiers were work-life balance, role mismatch and also infrastructural facilities. Retention initiatives like feedback calling, new joinee meet are carried out successfully in the organization. But, the initiatives like new joinee appreciation and mentoring need better execution. The top three recurring issues were late sitting in the branch, behavioural issues with the supervisors and specific training.

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