scholarly journals A Strategic Study on the Development of Financial Technology for Small and Medium-sized Commercial Banks-sample Analysis Based on the City's Business Community

2018 ◽  
Keyword(s):  
Commercial Banks ◽  
Business Community ◽  
Sample Analysis ◽  
Strategic Study ◽  
Financial Technology

Statistical and bibliometric analysis of financial innovation

2019 ◽  
Vol 38 (2) ◽  
pp. 308-319
Author(s):  
Ting-Hsuan Chen ◽  
Jin-Lung Peng
Keyword(s):  
Commercial Banks ◽  
Policy Making ◽  
Design Methodology ◽  
Liquidity Risk ◽  
Financial Innovation ◽  
Bank Performance ◽  
Content Type ◽  
Financial Innovations ◽  
Financial News ◽  
Financial Technology

Purpose The purpose of this paper is to review and analyze the characteristics of the literature related to financial innovation, because financial technology (fintech) has been appropriately applied in academic circles as well as in the policy-making arena. The authors further estimate the implications of financial innovations for bank performance and liquidity risk. Design/methodology/approach The authors use a sample of commercial banks operating in Taiwan over the period 2010–2017 and utilize three proxies for financial innovation including R&D expenditures, financial patents (i.e. innovation applications) and financial news such as that concerning fintech (i.e. innovation intentions). Findings The effects of financial innovation on bank performance are mixed, with too much of R&D expenditures having the worst bank performance, whereas innovation intentions benefit their performance. The paper concludes that financial innovation does increase banks’ liquidity risk, thus supporting the innovation-fragility hypothesis. Originality/value It is an important issue in academic circles as well as in the policy-making arena to ensure that financial innovation has been appropriately applied.

Bank Ownership and Lending Patterns in New York and Pennsylvania, 1781–1831

1999 ◽  
Vol 73 (1) ◽  
pp. 40-60 ◽  
Author(s):  
Robert E. Wright
Keyword(s):  
New York ◽  
New England ◽  
Commercial Banks ◽  
Business Community ◽  
Bank Credit ◽  
Small Enterprises ◽  
Atlantic Region ◽  
Efficient Manner ◽  
Middle Atlantic ◽  
Bank Ownership

Unlike most contemporary New England banks, early commercial banks of the Middle Atlantic region were widely owned and frequently traded corporations. They lent to a broad segment of the business community, including artisans, farmers, and women. Banks lent widely, first, because their large capitalization made it difficult for a few privileged insiders to control a substantial percentage of loanable funds and, second, because banks were able to acquire reliable credit information on a variety of customers in an efficient manner. As a result, small enterprises had access to bank credit.

scholarly journals Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services

2021 ◽  
Vol 5 (4) ◽  
pp. 10-27
Author(s):  
Kwee Kim Peong ◽  
Kwee Peng Peong ◽  
Kui Yean Tan
Keyword(s):  
Social Influence ◽  
Cyber Security ◽  
Commercial Banks ◽  
Influential Factors ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Security Risks ◽  
Technology Services ◽  
Privacy Risks ◽  
Financial Technology

Objective – The objective of this study is to determine the process that takes place in the employment of financial technology in the financial services industry. It is of utmost important that FinTech firms and commercial banks understand the predictors that can influence their consumers’ decision to adopt FinTech services and to increase loyalty toward their services. Methodology/Technique – An online survey was used in the present research to explore factors that can influence commercial bank users’ intention to use FinTech services in Malaysia. The data for the current study was gathered from bank users who aged at least 18 years old and resided in Malacca, Malaysia who accessed FinTech services via smartphone. This research also employed the convenient sampling in distributing online questionnaires to 400 respondents who had successfully completed and returned the questionnaires. Findings – The empirical findings illustrate that trust, social influence, cyber-security risks and privacy risks are the most influential determinants that affect bank customers’ behavioural intention to use FinTech services in Malaysia. Novelty – This research contributes to the theory of TAM, UTAUT and TPB by proposing a direct effect of trust, social influence, cyber-security risks and privacy risks on the adoption of FinTech services. The findings of the current study will be beneficial to policymakers, specifically financial institutions and FinTech firms as they will be informed on workable means to increase the quality of FinTech applications/websites. This can yield greater intentions to adopt FinTech. Stakeholders should play their important role in noticing and considering the influential factors that can impact the consumers’ behavioural intention for using technologies in their policies to fulfil the users’ needs. Type of Paper: Empirical JEL Classification: G02, G21 Keywords: Trust; Social Influence; Cyber-Security Risks; Privacy Risks; Behavioural Intention to Use Reference to this paper should be made as follows: Peong, K.K; Peong, K.P; Tan K.Y. (2021). Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services, Journal of Finance and Banking Review, 5(4): 10 – 27. https://doi.org/10.35609/jfbr.2021.5.4(2)

Assessing Functional Language in School-Aged Children Using Language Sample Analysis

2020 ◽  
Vol 5 (3) ◽  
pp. 622-636
Author(s):  
John Heilmann ◽  
Alexander Tucci ◽  
Elena Plante ◽  
Jon F. Miller
Keyword(s):  
Computer Hardware ◽  
School Age Children ◽  
Functional Language ◽  
School Age ◽  
Clinical Use ◽  
Sample Analysis ◽  
Validity And Reliability ◽  
Language Sample Analysis ◽  
Accuracy And Repeatability ◽  
Language Sample

Purpose The goal of this clinical focus article is to illustrate how speech-language pathologists can document the functional language of school-age children using language sample analysis (LSA). Advances in computer hardware and software are detailed making LSA more accessible for clinical use. Method This clinical focus article illustrates how documenting school-age student's communicative functioning is central to comprehensive assessment and how using LSA can meet multiple needs within this assessment. LSA can document students' meaningful participation in their daily life through assessment of their language used during everyday tasks. The many advances in computerized LSA are detailed with a primary focus on the Systematic Analysis of Language Transcripts (Miller & Iglesias, 2019). The LSA process is reviewed detailing the steps necessary for computers to calculate word, morpheme, utterance, and discourse features of functional language. Conclusion These advances in computer technology and software development have made LSA clinically feasible through standardized elicitation and transcription methods that improve accuracy and repeatability. In addition to improved accuracy, validity, and reliability of LSA, databases of typical speakers to document status and automated report writing more than justify the time required. Software now provides many innovations that make LSA simpler and more accessible for clinical use. Supplemental Material https://doi.org/10.23641/asha.12456719

Issues in Language Sample Collection and Analysis With Children Using AAC

2014 ◽  
Vol 23 (2) ◽  
pp. 65-74 ◽  
Author(s):  
Gail Van Tatenhove
Keyword(s):  
Clinical Practice ◽  
Augmentative And Alternative Communication ◽  
Language Production ◽  
Expressive Language ◽  
Sample Analysis ◽  
Alternative Communication ◽  
Sample Collection ◽  
Speech Language Pathologists ◽  
Language Sample Analysis ◽  
Language Sample

Language sample analysis is considered one of the best methods of evaluating expressive language production in speaking children. However, the practice of language sample collection and analysis is complicated for speech-language pathologists working with children who use augmentative and alternative communication (AAC) devices. This article identifies six issues regarding use of language sample collection and analysis in clinical practice with children who use AAC devices. The purpose of this article is to encourage speech-language pathologists practicing in the area of AAC to utilize language sample collection and analysis as part of ongoing AAC assessment.

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