Millenial Disruptive Technology: An Assessment on Disrupted Banking Industry

2017 ◽  
Vol 4 (1) ◽  
pp. 34-40
Author(s):  
Anis Choirunnisa ◽  
Mohammad A. Amin Soetomo ◽  
Heru Purnomo Ipung
Keyword(s):  
Digital Technology ◽  
Banking Industry ◽  
Current Level ◽  
Disruptive Technology ◽  
Banking Services ◽  
The Past ◽  
Catching Up ◽  
The Us ◽  
New Generation ◽  
The Way

Millennial are new generation that demand a new kind of market expectation and seeks new value on how industry interact with its customer. Among assessed industries in the US, Banks are the most vulnerable industry that millennial demands new kind of approach to conduct banking in the past three years facilitated by the increasing influence of digital technology in everyday life. Millennial are the generation that born in 80s and 90s where they see the dying relevant of bank [1]. The survey sees that in US 68% of them think that the way we access our money will be totally different, 70% said that the way we pay for things will be totally different, and even 33% believe that bank will not be needed at all in the next 5 year. However, the key question is what is millennial really needs on the banking services in Indonesia? Is the trend in the US and Europe is catching up soon? Is Indonesia Banks ready from the eyes of Millennial? This research focuses on current level of digital banking experiences of Indonesia Banking Millennial where assess the current satisfaction of the current banking services in Indonesia and the expected digital banking of Indonesia Banking Millennial, current and the future.

An Analysis of Large Bank Corporate Governance and Litigation Expenses

2018 ◽  
Keyword(s):  
Corporate Governance ◽  
Banking Industry ◽  
The Past ◽  
Good Corporate Governance ◽  
Total Capital ◽  
The Us ◽  
European Banking ◽  
Banking Institutions ◽  
European Banks ◽  
Legal Costs

Over the past decade, the banking industry has incurred over $300 billion in litigation and related legal costs. We analyzed the litigation expense data and corporate governance data of seven US and six European banking institutions. The 13 banking intuitions incurred nearly $200 billion in litigation expenses, roughly two-thirds of the total litigation expense incurred by the entire banking industry. We compared corporate governance metrics to the litigation expenses for the same 13 banking institutions. There are four main findings: First, litigation expenses of large banks have been on the decline since 2015; second, although the US banks incurred much greater litigation expenses during the 2010–2014 period, their litigation expenses have declined much more quickly than those of the European banks during the 2015–2017 period; third, litigation expenses incurred by European banks have been much higher than those of US banks when compared with bank total revenues and total capital; fourth, for US banks there is a strong correlation between improved corporate governance and lower litigation costs. However, for European banks it appears that the comply-or-explain approach to corporate governance muddies the link between good corporate governance and lower litigation costs.

scholarly journals Customer Satisfactions on Islamic Banking Services in Almadinah City, Saudi Arabia

2019 ◽  
pp. 1-8 ◽  
Author(s):  
Wesal M. Aldarabseh
Keyword(s):  
Saudi Arabia ◽  
Customer Satisfaction ◽  
Banking Sector ◽  
Islamic Law ◽  
Banking Industry ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Services ◽  
The Past ◽  
Self Administered Questionnaire

Providing quality services is a key element to compete in the banking industry. Islamic banks showed significant expansion in the past decades worldwide.  In the current study, customer satisfaction towards services provided by Islamic banks in Almadinah city, Saudi Arabia was investigated. A total of 292 customers of full-fledged Islamic banks were recruited in the study. Customer satisfaction was measured using a self-administered questionnaire. The results showed acceptable levels of customer satisfaction toward Islamic banking services (85%). In addition, personnel, image, reliability, and compliance with Islamic law were the most important service dimensions that affect customer satisfaction. Finally, gender differences were noticed with respect to customer satisfaction with females seemed to be less satisfied than males. The present findings provide positive feedback to the Islamic banking sector in Almadinah city to improve customer satisfaction of their services.

PENGARUH PROFITABILITAS, STRUKTUR KEPEMILIKAN KUALITAS AUDITOR TERHADAP KETEPATAN WAKTU PELAPORAN KEUANGAN PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2014-2016

2020 ◽  
Vol 9 (2) ◽  
pp. 42
Author(s):  
Dita Nurniati ◽  
Sarsiti .
Keyword(s):  
Economic Growth ◽  
Information Technology ◽  
Digital Technology ◽  
Industrial Revolution ◽  
Service Industry ◽  
Banking Industry ◽  
Rapid Development ◽  
Service Innovation ◽  
Banking Services ◽  
Excellent Service

The Industrial Revolution 4.0 is an opportunity for the banking industry in Indonesia to be more innovative in providing excellent service to all customers. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. The purpose of this study is to determine the development of digital banking industry services in Indonesia. The rapid development of digital banking technology is a new challenge for the banking world. The banking industry as a service industry that is developing and capable of driving Indonesia's economic growth is faced with two choices, namely adopting digital technology so that banks can survive or remain conventional, but slowly die.

Trends in just war thinking during the US presidential debates 2000–12: genocide prevention and the renewed salience of last resort

2013 ◽  
Vol 40 (1) ◽  
pp. 77-99 ◽  
Author(s):  
DANIEL R. BRUNSTETTER
Keyword(s):  
Foreign Policy ◽  
Just War ◽  
Us Foreign Policy ◽  
Presidential Debates ◽  
The Public ◽  
The Past ◽  
Critical Engagement ◽  
Time Period ◽  
The Us ◽  
The Way

AbstractIn this article, I explore the place of the just war tradition in US foreign policy by examining the use of just war language in the presidential debates in 2000 (Bush-Gore), 2004 (Bush-Kerry), 2008 (McCain-Obama), and 2012 (Obama-Romney). While critics focus on the use and abuse of just war language as rhetorical gloss to persuade the public an upcoming conflict is morally legitimate while serving the national interest, the debates showcase just war principles as part of a language of critical engagement. Each debate cycle allowed for critical reflection on the foreign policy decisions and just war philosophy of the incumbent president. During the time period I examine, the process of critical engagement identified two moral shortcomings of the past – the failure to act to stop the genocide in Rwanda and the premature use of force in Iraq. These perceived failures catalysed convergence, across party lines, on the way some jus ad bellum principles were understood: Just cause as including the moral obligation to intervene in some way to stop genocide and the renewed salience of the principle of last resort. There remained, however, stark differences in the way legitimate authority was understood.

scholarly journals NEUTRONIC BENCHMARKING OF SMALL GAS-COOLED SYSTEMS

2021 ◽  
Vol 247 ◽  
pp. 10033
Author(s):  
Briana Hiscox ◽  
Benjamin Betzler ◽  
Vladimir Sobes ◽  
William J. Marshall
Keyword(s):  
Nuclear Reactor ◽  
Nuclear Reactors ◽  
Department Of Energy ◽  
Innovative Technology ◽  
Reactor Physics ◽  
The Past ◽  
Benchmark Experiment ◽  
The Us ◽  
Similarity Indices ◽  
New Generation

To demonstrate that nuclear reactors can be built faster and more economically than they have been in the past, the US Department of Energy Office of Nuclear Energy is sponsoring the development of a small nuclear reactor called the Transformational Challenge Reactor (TCR) [1–2]. An important part of the design and licencing process of a new reactor is validation of the software used to analyze the reactor using established reactor physics benchmarks. This paper discusses validation of the neutronics software used to model four preliminary designs of the TCR core [2]. Because the TCR core design uses innovative technology and methods, comparable established benchmarks are limited or do not exist. For this effort, established benchmarks from the International Handbook of Evaluated Criticality Safety Benchmark Experiments (ICSBEP) [3] were considered to be suitable for this design based on analysis using the SCALE/TSUNAMI-computed similarity indices to determine the amount of shared uncertainty between the design and each selected benchmark experiment. This paper addresses the challenges faced in benchmarking a unique reactor for licensing and construction, a task that will become more common as a new generation of innovative nuclear reactors are designed and built.

PERKEMBANGAN INDUSTRI PERBANKAN DI ERA DIGITAL

2020 ◽  
Vol 9 (2) ◽  
pp. 32
Author(s):  
Annisa Indah Mutiasari
Keyword(s):  
Economic Growth ◽  
Information Technology ◽  
Digital Technology ◽  
Industrial Revolution ◽  
Service Industry ◽  
Banking Industry ◽  
Rapid Development ◽  
Service Innovation ◽  
Banking Services ◽  
Excellent Service

The Industrial Revolution 4.0 is an opportunity for the banking industry in Indonesia to be more innovative in providing excellent service to all customers. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. The purpose of this study is to determine the development of digital banking industry services in Indonesia. The rapid development of digital banking technology is a new challenge for the banking world. The banking industry as a service industry that is developing and capable of driving Indonesia's economic growth is faced with two choices, namely adopting digital technology so that banks can survive or remain conventional, but slowly die.

scholarly journals More than "Add Women and Stir" - A Conversation with Karen Klitgaard Povlsen

2017 ◽  
Author(s):  
Katrine Meldgaard Kjær ◽  
Jonatan Leer
Keyword(s):  
Food Culture ◽  
Academic Environments ◽  
The Past ◽  
The Us ◽  
And Gender ◽  
The Way

More Than ‘Add Women and Stir’ – A Conversation with Carole Counihan.Food studies and the study of food and gender have been particularly strong scholarly currents in the US. Here, anthropologist Carole Counihan was one of the first scholars to work with the food-gender intersection. Over the past four decades, she has continued to work with the area in an array of different contexts. In this interview, Counihan describes how she has worked with the gendering of food culture. Along the way, she also offers her perspectives on working in changing academic environments and shares her suggestions for future areas of research.

The Contribution of Intermediate-Voltage, High-Resolution Electron Microscopy In Materials Science: An Appraisal

1990 ◽  
Vol 48 (1) ◽  
pp. 478-479
Author(s):  
John L. Hutchison
Keyword(s):  
High Resolution ◽  
Materials Science ◽  
High Resolution Electron Microscopy ◽  
Optical Diffraction ◽  
The Past ◽  
Resolution Electron ◽  
Extreme Sensitivity ◽  
Electron Microscopes ◽  
New Generation ◽  
Small Metal Particles

Over the past five years or so the development of a new generation of high resolution electron microscopes operating routinely in the 300-400 kilovolt range has produced a dramatic increase in resolution, to around 1.6 Å for “structure resolution” and approaching 1.2 Å for information limits. With a large number of such instruments now in operation it is timely to assess their impact in the various areas of materials science where they are now being used. Are they falling short of the early expectations? Generally, the manufacturers’ claims regarding resolution are being met, but one unexpected factor which has emerged is the extreme sensitivity of these instruments to both floor-borne and acoustic vibrations. Successful measures to counteract these disturbances may require the use of special anti-vibration blocks, or even simple oil-filled dampers together with springs, with heavy curtaining around the microscope room to reduce noise levels. In assessing performance levels, optical diffraction analysis is becoming the accepted method, with rotational averaging useful for obtaining a good measure of information limits. It is worth noting here that microscope alignment becomes very critical for the highest resolution.In attempting an appraisal of the contributions of intermediate voltage HREMs to materials science we will outline a few of the areas where they are most widely used. These include semiconductors, oxides, and small metal particles, in addition to metals and minerals.

Advances In Asthma Care

2003 ◽  
Vol 1 (1) ◽  
pp. 87-90 ◽  
Author(s):  
Chris Garvey
Keyword(s):  
Healthcare Costs ◽  
Professional Organizations ◽  
Current Status ◽  
Asthma Care ◽  
Advanced Level ◽  
Clinical Criteria ◽  
Asthma Knowledge ◽  
The Past ◽  
The Us ◽  
Examination Process

Asthma rates in the US have risen during the past 25 years, as have asthma-related morbidity and healthcare costs. Professional organizations involved in asthma care have identified the need to assure that an advanced level of asthma knowledge and skill is available to patients with asthma, their families, and insurers. This need led to development of the certification for asthma educators. The Certified Asthma Educator (AE-C) must meet specific clinical criteria and pass a standardized examination designed to evaluate knowledge and skill for providing competent asthma education and coordination. The development and current status of the Certified Asthma Educator examination process and content are discussed, as are goals of the certification

Searching for new Sources of growth. Are the Developing Countries Catching up with the Developed ones?

2015 ◽  
pp. 30-53
Author(s):  
V. Popov
Keyword(s):  
Developing Countries ◽  
Western Europe ◽  
Gdp Per Capita ◽  
The West ◽  
Catching Up ◽  
The Us ◽  
The World ◽  
Economic Divergence ◽  
Per Capita ◽  
Relative Standing

This paper examines the trajectory of growth in the Global South. Before the 1500s all countries were roughly at the same level of development, but from the 1500s Western countries started to grow faster than the rest of the world and PPP GDP per capita by 1950 in the US, the richest Western nation, was nearly 5 times higher than the world average and 2 times higher than in Western Europe. Since 1950 this ratio stabilized - not only Western Europe and Japan improved their relative standing in per capita income versus the US, but also East Asia, South Asia and some developing countries in other regions started to bridge the gap with the West. After nearly half of the millennium of growing economic divergence, the world seems to have entered the era of convergence. The factors behind these trends are analyzed; implications for the future and possible scenarios are considered.

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