scholarly journals The Bank Card Market: a Comparative Analysis of Ukraine and its Neighboring Countries

2018 ◽  
Vol 21 (4) ◽  
pp. 25-44 ◽  
Author(s):  
Olena Sobolieva-Tereshchenko
Keyword(s):  
Comparative Analysis ◽  
Financial Market ◽  
Banking Sector ◽  
Research Question ◽  
Depth Analysis ◽  
Payment Cards ◽  
Bank Card

The purpose of this study is to define the major determinants of the bank card market to investigate the banking sector of different countries. Using three models of ranking, we discuss what can be used to rank the financial market and how it translates into the ranking of the bank card market. We use comparative analysis to verify our assumption, referring to a total of 8 countries: Ukraine and its neighboring countries. Afterward, we conduct a more in‑depth analysis of two cases (Poland and Ukraine) as two similar bank card markets. The research question is founded on the assumption that for a comparative analysis, it is necessary to use a system of interrelated indicators of bank payment cards, ATMs and POS terminals as the explicative variables.

scholarly journals The Development and Transformation of the Bank Card Market as an Imperative for Digitalization: the Case of Central and Eastern European Countries

2021 ◽  
Vol 24 (4) ◽  
pp. 45-67
Author(s):  
Olena Sobolieva-Tereshchenko ◽  
Olesya Moyseyenko ◽  
Valeriia Zharnikova
Keyword(s):  
Banking Sector ◽  
Digital Evolution ◽  
Growth Trend ◽  
Market Index ◽  
Ranking Systems ◽  
Payment Cards ◽  
International Ranking ◽  
Bank Card ◽  
Eastern European Countries ◽  
The Impact

The purpose of this study is to determine the development trends of the major determinants of the bank card market in eight countries of Central and Eastern Europe in the period from 2010 to 2019. Continuing a study carried out in 2018, further comparative analysis of the “Bank Cards Market Index” proposed earlier and based on a system of interrelated indicators of bank payment cards, ATMs and POS‑terminals, was carried out. We provide an overview of the rankings of Ukraine, Belarus, Moldova, Russia, Romania, Poland, Hungary, Slovakia using international ranking systems such as “The Legatum Prosperity Index,” “Doing Business,” “The Index of Economic Freedom,” and the “Вank Cards Market Index.” Further studies of three international ranking systems, as well as the “Bank Cards Market Index,” again confirmed the similarity of the development models of the bank card market in Poland and Ukraine. To study the impact of the digitalization of economics and Covid–19 on the bank card market, a deeper analysis of two cases (Poland and Ukraine, as two similar bank card markets) was carried out using the “Digital Evolution Index.” In the course of the research, it was concluded that the “Вank Cards Market Index” can be successfully used for further research of the banking sector of different countries. Also, the growth trend of cashless payments in the bank card market and the possible transformation of the market under the influence of Covid–19, and the global digitalization of economics were noticed. Taking into account the above trend, further studies of the system of interrelated indicators of bank payment cards, ATMs, and POS terminals should be carried out using the “Digital Evolution Index” or other international indexes that characterize the level of digitalization of the economy in the researched countries.

scholarly journals Polish versus European banking sector − characteristics, consolidation, ownership changes

2019 ◽  
Author(s):  
Anna Pyka ◽  
Aleksandra Nocoń
Keyword(s):  
Comparative Analysis ◽  
Ownership Structure ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Rapid Development ◽  
Synthesis Method ◽  
Secondary Data ◽  
Bank Capital ◽  
Main Research ◽  
Depth Analysis

Purpose – the main aim of the study is an assessment of the banking sector in Poland, including the size of the sector, banking institutions forming the sector and consolidation processes taking place in the sector against the background of banking sectors in other countries. The paper also indicates ownership changes as a consequence of consolidation processes in the banking sectors after the global financial crisis of 2008−2012. Research methodology – the following research methods were used: cause and effect analysis, comparative analysis, case studies, observation method, secondary data analysis, and synthesis method. Findings – the research allowed to find out that the banking sector in Poland is growing at a rate significantly exceeding the growth rate in other European countries. However, rapid development does not mean a radical increase in the importance of this sector in Europe. Concentration ratios of the Polish banking sector show continuous but slight increases, although their level is still quite low compared to other European Union countries. Moreover, in Poland, a decreasing number of banks, observed in recent years, reduces a share of foreign investors in the structure of the sector. This means a high activity of domestic investors in taking over bank capital. Research limitations – the main research limitation is that the study mainly focuses on changes as well as comparative analysis of the concentration ratio (CR5). While further research should be expanded by more measures to compare ownership structure and the profitability of Polish and the European Unionʼs banking sectors. Practical implications – the results might be useful for central banks and supervisory authorities when it comes to their role in changes in the ownership structure of banking sectors. Originality/Value – the main value of the article is the in-depth analysis of the ownership structure of the Polish banking sector in the background of the European ones

Russian Banking Sector under World Financial Market Uncertainty: Problems and Prospects

2008 ◽  
pp. 4-19 ◽  
Author(s):  
A. Ulyukaev ◽  
E. Danilova
Keyword(s):  
Emerging Markets ◽  
Financial Market ◽  
Banking Sector ◽  
Financial System ◽  
Local Market ◽  
Market Uncertainty ◽  
Balanced Growth ◽  
Banking Sector Development ◽  
The World ◽  
The Usa

The authors point out that the local market crisis - on the USA substandard loan market - has led to the uncertainty of the world financial market. It has caused the growing demand for liquidity in the framework of the world financial system. The Russian banking sector seems to be more stable under negative changes than banking systems of other emerging markets. At the same time one can assume that the crisis will become the factor of qualitative shift in the character of the Russian banking sector development - the shift from impetuous to more balanced growth.

A Comparative Analysis of Two Qualitative Methods: Deciding Between Grounded Theory and Phenomenology for Your Research

2017 ◽  
Vol 28 (1) ◽  
pp. 23-40
Author(s):  
Masoodi Marjan
Keyword(s):  
Grounded Theory ◽  
Data Analysis ◽  
Comparative Analysis ◽  
Historical Development ◽  
Research Question ◽  
Qualitative Approaches ◽  
Development Goals ◽  
Applied Approach ◽  
Similarities And Differences ◽  
Research Students

Abstract The purpose of this article is to compare two qualitative approaches that can be used in different researches: phenomenology and grounded theory. This overview is done to (1) summarize similarities and differences between these two approaches, with attention to their historical development, goals, methods, audience, and products (2) familiarize the researchers with the origins and details of these approaches in the way that they can make better matches between their research question(s) and the goals and products of the study (3) discuss a brief outline of each methodology along with their origin, essence and procedural steps undertaken (4) illustrate how the procedures of data analysis (coding), theoretical memoing and sampling are applied to systematically generate a grounded theory (5) briefly examine the major challenges for utilizing two approaches in grounded theory, the Glaserian and Straussian. As a conclusion, this overview reveals that it is essential to ensure that the method matches the research question being asked, helps the researchers determine the suitability of their applied approach and provides a continues training for the novice researchers, especially PhD or research students who lack solid knowledge and background experience in multiple research methods.

The Role of Mobile Money in Moderating Financial Exclusion: A Tanzanian Experience

2020 ◽  
Vol 2 ◽  
pp. 1-24 ◽  
Author(s):  
Deogratius Joseph Mhella
Keyword(s):  
Developing Countries ◽  
Financial Institutions ◽  
Banking Sector ◽  
Research Question ◽  
Microfinance Institutions ◽  
Mobile Money ◽  
Access To Credit ◽  
Financial Exclusion

Prior to the advent of mobile money, the banking sector in most of the developing countries excluded certain segments of the population. The excluded populations were deemed as a risk to the banking sector. The banking sector did not work with cash stripped and the financially disenfranchised people. Financial exclusion persisted to incredibly higher levels. Those excluded did not have: bank accounts, savings in financial institutions, access to credit, loan and insurance services. The advent of mobile money moderated the very factors of financial exclusion that the banks failed to resolve. This paper explains how mobile money moderates the factors of financial exclusion that the banks and microfinance institutions have always failed to moderate. The paper seeks to answer the following research question: 'How has mobile money moderated the factors of financial exclusion that other financial institutions failed to resolve between 1960 and 2008? Tanzania has been chosen as a case study to show how mobile has succeeded in moderating financial exclusion in the period after 2008.

Estudio de inversión de capital privado de la banca colombiana en el mercado bancario español

2017 ◽  
Vol 7 (12) ◽  
pp. 73
Author(s):  
Luis Eduardo Lozano Ortegón ◽  
Antonio Alonso-González
Keyword(s):  
Business Model ◽  
Financial Market ◽  
Private Equity ◽  
Banking Sector ◽  
Marketing Strategies ◽  
Economic Environment ◽  
Financial Viability ◽  
Equity Investment ◽  
Viability Study ◽  
Market Perspective

RESUMENEn el presente documento se introducen y analizan algunas de las variables a tener en cuenta en cualquier estudio de viabilidad referente a la inversión de capital privado de banca colombiana en el sector bancario español, planteando un modelo de negocio que permita alcanzar dicha viabilidad financiera de una forma sostenible mediante un formato de banco colombiano bajo la supervisión del Banco de España. Se plantean, así mismo, los requisitos y regulaciones a cumplir, incluyendo un diagnóstico del entorno económico y de la perspectiva del mercado financiero de captación y colocación bancaria española, así como sus portafolios y estrategias de marketing en un horizonte financiero a cinco años.ABSTRACTIn the present work some of the variables to be considered in any viability study concerning private equity investment of Colombian banks in the Spanish banking sector are introduced and discussed. Further, it proposes a business model that allows sustainable financial viability through a format of Colombian bank under the supervision of the Bank of Spain. Some of the requirements and regulations to comply are likewise explained, including an assessment of the economic environment and financial market perspective of the Spanish bank sector, as well as their portfolios and marketing strategies in a financial horizon to five years. Fecha de recepción: 27 de julio de 2016Fecha de aprobación: 17 de noviembre de 2016Fecha de publicación: 6 de enero de 2017 

Towards a More Competitive Mobile Payment Industry: Standardization And Beyond

2020 ◽  
Author(s):  
Xingyu Yan
Keyword(s):  
Financial Market ◽  
Competitive Dynamics ◽  
Mobile Payment ◽  
Market Failures ◽  
Mobile Payments ◽  
The World ◽  
Chinese Industry ◽  
Definable Groups ◽  
Study Case ◽  
Bank Card

Abstract Mobile payments are becoming increasingly popular around the world. In countries like China, they appear in the form of barcode payments and are poised to replace cash and bank card payments for day-to-day consumer purchases. Against that backdrop, this paper analyzes the availability of barcode standardization as an approach to interoperability and ultimately to enhanced competition in the mobile payment industry. It uses the Chinese industry as a study case, which features a duopoly structure and shifting competitive dynamics among three definable groups of market players. This paper confirms that standardization can enhance competition and argues that, in this case, a government-mandated standardization is preferable to a voluntary one because the latter is prone to financial market failures. Along this line, this paper makes three suggestions for furthering the barcode standardization. It also advises prudence and competitive neutrality for the financial regulator and calls for more active involvements of the competition and data protection authorities.

scholarly journals Assessing the Impact of Corporate Governance Index on Financial Performance in the Romanian and Italian Banking Systems

2021 ◽  
Vol 13 (10) ◽  
pp. 5535
Author(s):  
Marco Benvenuto ◽  
Roxana Loredana Avram ◽  
Alexandru Avram ◽  
Carmine Viola
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Banking Sector ◽  
Research Question ◽  
Interactive Effect ◽  
Banking System ◽  
Capital Adequacy ◽  
Banking Systems ◽  
Governance Index ◽  
The Impact

Background: Our study aims to verify the impact of corporate governance index on financial performance, namely return on assets (ROA), general liquidity, capital adequacy and size of company expressed as total assets in the banking sector for both a developing and a developed country. In addition, we investigate the interactive effect of corporate governance on a homogenous and a heterogeneous banking system. These two banking systems were chosen in order to assess the impact of corporate governance on two distinct types of banking system: a homogenous one such as the Romanian one and a heterogeneous one such as the Italian one. The two systems are very distinct; the Romanian one is represented by only 34 banks, while the Italian one comprises more than 350 banks. Thus, our research question is how a modification in corporate governance legislation is influencing the two different banking systems. The research implication of our study is whether a modification in legislation, thus in the index of corporate governance, is feasible for two different banking sectors and what the best ways to increase the financial performance of banks are without compromising their resilience. Methods: Using survey data from the Italian and Romanian banking systems over the period 2007–2018, we find that the corporate governance has a significant, positive and long-lasting effect on profitability and capital adequacy in both countries. Results: Taking the size of the company into consideration, the impact of the Index of Corporate Governance (ICG) on a homogenous banking system is positive while the impact on a heterogeneous banking system is negative. Conclusions: Our study provides evidence of the impact of IGC on financial performance and sheds light on the importance of the size of the company. Therefore, one can state that the corporate governance principles applied do not encourage the growth of large banks in heterogeneous banking sectors, thereby suggesting new avenues of research associated with new perspectives.

Synchrony and diachrony of postverbal negation in Jodï-Sáliban

2021 ◽  
Author(s):  
Jorge Emilio Rosés Labrada
Keyword(s):  
Comparative Analysis ◽  
South America ◽  
Language Family ◽  
Depth Analysis ◽  
The Family ◽  
Comparative Treatment

Abstract This article proposes a detailed comparative treatment of negation in the Jodï-Sáliban language family (Venezuela-Colombia, Northwest Amazonia, South America), which consists of four languages: Jodï [yau], Sáliba [slc], Piaroa [pid] and Mako [wpc]. This comparative analysis of negation strategies across the four languages in the family not only offers an overview of negation strategies in this language family but also allows for conclusions to be drawn on the cognacy of the different constructions and markers as well as on the sources of the main negation strategies. Specifically, I show that, even though certain markers are not cognate, negation in these languages has – as far back as the documentation goes – always been postverbal and suggest that postverbal negation can be diachronically stable. This research thus offers an in-depth analysis of negation in Jodï-Sáliban, a language family that remains underdescribed, and, crucially, contributes to our understanding of postverbal negation and its sources.

scholarly journals Satisfaction and loyalty of clients towards banking products and services

2018 ◽  
Vol 51 (3-4) ◽  
pp. 115-124
Author(s):  
Milica Raičević ◽  
Dijana Medenica Mitrović
Keyword(s):  
Quality Of Service ◽  
Competitive Advantage ◽  
Financial Market ◽  
Banking Sector ◽  
Financial Service ◽  
International Level ◽  
Direct Link ◽  
Banking Services ◽  
Customer Satisfaction And Loyalty

Transformation of the banking sector has led to today's banks providing a complete service - financial service both on the domestic and international level. The focus of their business is the client whose loyalty depends on the operations of the bank. The aim is to indicate that there is a direct link between the quality of the banking product and the service that affects the client's satisfaction and loyalty, which directly affects the bank's business and its competitive advantage in the financial market. The paper gives a theoretical and practical overview of the quality of service, satisfaction and loyalty of clients, and the performance of the bank, which depends on clients. In the theoretical part, the concept of a client, its significance and specifics related to its influence on the bank's business, through its satisfaction and loyalty to the bank, is defined. The empirical part deals with the analysis of customer satisfaction and loyalty towards banking products and services in Montenegro and how much the quality of banking services has an impact on the satisfaction and loyalty of the customer. The analysis of the factual situation will be carried out, the conclusions will be presented and recommendations made for improvement of the quality of the service, which will contribute to the greater satisfaction of the clients, and therefore the loyalty to the particular bank. All of this is directly related to the possibility of achieving the competitive advantage of banks within the banking sector where a particular bank operates.

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