Does the Customers' Use of Mobile Technologies Influence the Number of Both Recruitments and the Branches in the Banking Sector in Tunisia?

2019 ◽  
pp. 231-248
Author(s):  
Amira Sghari
Keyword(s):  
Financial Institutions ◽  
Banking Sector ◽  
Digital Transformation ◽  
Professional Association ◽  
Mobile Technologies ◽  
Annual Reports ◽  
Foreign Countries ◽  
Banking Networks ◽  
Branch Banking ◽  
Number Of Branches

Digital determines new practices of companies and customers while touching all sectors of activity. Adaptation to the digital is imperative for banks. In this framework, this chapter explores the question of the influence of the use of mobile technologies by the customers on recruitment in the banking sector and on the number of the branch banking networks. Particularly, the authors seek to answer the following question: What are the effects of the use of mobile technologies by customers on recruitments and the number of branches in the banking sector in Tunisia? In order to answer this question, they analyze the annual reports of the last seven years published by Tunisia's Professional Association of Banks and Financial Institutions. Contrary to the findings observed in foreign countries concerning the reduction of the number of branches and recruitments following the digital transformation in the banking sector, in Tunisia the number of branches and recruitments has not stopped increasing.

Challenges of COVID-19 During 2020 and Opportunities for FinTech in 2021 for Digital Transformation of Business and Financial Institutions in India

2021 ◽  
pp. 282-299
Author(s):  
Narinder Kumar Bhasin ◽  
Kamal Gulati
Keyword(s):  
United States ◽  
Financial Institutions ◽  
Job Loss ◽  
Banking Sector ◽  
Extended Period ◽  
The United States ◽  
Emerging Technology ◽  
Digital Transformation ◽  
The World ◽  
Technology Trends

Fintech/TechFin/financial and banking sector achieved the new digital disruptions and transformation milestones in India, underlining the various opportunities in the last year, 2020, when the world was struggling with the COVID-19 pandemic, an extended period of lockdown, job loss, and unemployment. India has emerged as the fastest-growing second largest leading fintech hub in the world after the United States. This chapter will explain the various challenges faced in the year 2020 and opportunities for fintech in 2021. The chapter also explains the emerging technology trends and growth of finechs in India during the COVID pandemic.

scholarly journals Enhancement of Retail Banking Operation of Commercial Banks in Bangladesh

1970 ◽  
Vol 5 (2) ◽  
pp. 166-179
Author(s):  
Farjana Yeshmin ◽  
Mahmuda Nasrin
Keyword(s):  
Financial Institutions ◽  
Banking Sector ◽  
Stock Exchange ◽  
Retail Banking ◽  
Standard Of Living ◽  
Banking Services ◽  
Different Types ◽  
Retail Products ◽  
Alternative Delivery ◽  
Number Of Branches

People are always concerned about the improvement of their standard of living. In respect of this awareness, financial institutions of Bangladesh specially banking sectors are trying to expand their service net. And in this regard banking sector is playing a tremendous role through Retail Banking (RB). Toward the community development, RB has further enlarged its’ position as a major channel of business. RB has taken the foremost funding responsibility as well as commitment to give fast forwarding service to the community through increasing branche, alternative delivery channels, premier banking services. In this study the authors have selected 28 listed banks which covered 59.57% of listed financial institutions in stock exchange. The study has revealed that during the period of 2006-2008 the sample banks have offered different types of retail products (deposits increased by 88.18%, loan products increased by 48.50%, and cards service by 21.15%) by increasing number of branches by 19.28%.The authors have segmented the article into four parts Firstly an overview of RB, secondly, review of previous studies done in this area, thirdly a comparative analysis of data and its findings and finally conclusive remarks and policy implications.Keywords: Retail banking, Deposit Scheme, Loan, Card service, Delivery channels.DOI: http://dx.doi.org/10.3329/jbt.v5i2.9988Journal of Technology (Dhaka) Vol. 5(2), July-December, 2010 166-179

scholarly journals Non-Performing Loans and Its Impact on the Banking Sector: An Investigation on the Current Status of Bangladesh

2020 ◽  
Vol 6 (2) ◽  
pp. 53
Author(s):  
Md. Joynal Abedin
Keyword(s):  
World Bank ◽  
Financial Institutions ◽  
Banking Sector ◽  
Banking Industry ◽  
Annual Reports ◽  
Current Status ◽  
Published Data ◽  
Current Investigation ◽  
The World Bank ◽  
The World

Non-performing loans (NPLs) have become a frustrating issue for the financial institutions in Bangladesh. Our banking industry and the economy in general have taken a negative turn due to the increasing volume of NPLs. This paper aims to investigate the current status of NPLs in the banking industry of Bangladesh. The analysis uses the published data which have been congregated from the annual reports of Bangladesh Bank, websites of the scheduled banks of Bangladesh and the World Bank observed from 2008 to 2019. The study identified that for the last two decades, NPLs are the burning problems for the banks in Bangladesh. Worldwide the standard of NPLs is 2% or less but in our country, it is much intricate. The NPLs percentages in Bangladesh are 4 to 5 times higher than the standard which is disquieting for the entire banking industry. Based on the current investigation, it has been observed that the NPLs ratio is increasing unremittingly with the advancement of time. So, as a financial regulator, the central bank of the country (Bangladesh Bank) must give more emphasize to compactly control the NPLs of the country. This paper contributes by employing new dataset from Bangladesh.

REALITY AND PROSPECTS OF INTERNET BANKING AS A DIRECTION OF DIGITALIZATION IN UKRAINE

2021 ◽  
Vol 1 (21(49)) ◽  
pp. 76-81
Author(s):  
Olena Lysyak ◽  
Oksana Sahaidak
Keyword(s):  
Banking Sector ◽  
Internet Banking ◽  
Digital Transformation ◽  
Management Control ◽  
The State ◽  
The Internet ◽  
Clear Trend ◽  
Foreign Countries ◽  
Ministry Of Finance ◽  
Current Account Balances

The article covers the state of the digitalization process in Ukraine, the advantages of its implementation in the information and telecommunications spheres. The experience of foreign countries in digitalization is briefly analyzed. Some features of the functioning of the best Internet banks of the state are revealed: PrivatBank, UkrSibbank, FUIB. There is a clear trend of banks moving from branches to the Internet, when users are gradually, but persistently, accustomed to all currency transactions through special applications in smartphones. It is noted that the minimum set of any successful digital bank should be the following functions: card limit management, control of current account balances, deposit, payment of utilities, transfer of funds to accounts in other banks. It is indicated that already at this stage of digital transformation the Ministry of Finance has created a "Catalog of the best Internet banking in Ukraine", in which any Internet user in Ukraine has the opportunity to compare and choose Internet banking according to their requirements and preferences. The main advantages, threats and key problems of digitalization of the banking sector in Ukraine are listed.

Ethical Consumerism in Financial Institutions

2020 ◽  
pp. 23-38
Author(s):  
Yomna Abdulla
Keyword(s):  
Decision Making ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Banking Sector ◽  
Supply And Demand ◽  
Annual Reports ◽  
Limited Evidence ◽  
Environmental Decision Making ◽  
Ethical Consumerism ◽  
Environmental Decision

There has been a rise in the concept of ethical consumerism in various sectors of the economy. This chapter examines ethical consumerism in the Bahrain banking sector by analyzing customer surveys and annual reports from seven commercial banks. The findings show limited evidence of ethical consumerism in supply and demand. This chapter also documents challenges faced by banks and customers in ethical, social, and environmental decision making and operations. Finally, the results enhance the understanding of ethical consumerism in financial institutions.

scholarly journals The safety network system and prospects for the appearance of a financial crisis in Bosnia and Herzegovina

2008 ◽  
Vol 53 (178-179) ◽  
pp. 198-229
Author(s):  
Novo Plakalovic
Keyword(s):  
Financial Crisis ◽  
Bosnia And Herzegovina ◽  
Financial Institutions ◽  
Banking Sector ◽  
Financial Sector ◽  
Bank Capital ◽  
Stress Tests ◽  
Foreign Countries ◽  
Potential Risks ◽  
High Level

The article is on the system of the safety network of the financial sector in Bosnia and Herzegovina (BH) and potential causes of possible financial instability. The network of protection of financial institutions in BH is to a certain extent incomplete but a high level of regulatory and supervisory activities has been present so far, which effects the expressed stability of financial institutions. Potential risks and the vulnerability of the financial system arise from a range of features which are characteristic of the local financial institutions, their activities, the condition of the BH economy, and macroeconomic stability and flows of goods and capital between the country and foreign countries. The sector of financial institutions has been privatized and it is in foreign ownership. Foreign exposure of domestic economy and financial markets is limited to only a small number of countries (Austria, Germany). There are pressures in respect of the increased rates of return on bank capital and there is a very high dynamic of credit growth. Possible unfavourable scenarios could bring about problems in the banking sector, which is shown by stress tests. The deterioration of the macroeconomic imbalance could also be a significant cause of serious problems in the local financial sector. There are no certain indicators that this could happen in the near future and influence the appearance of a financial crisis; however, such a situation cannot be ruled out.

scholarly journals SWITZERLAND BANKING SYSTEM – MODERN TRENDS AND PROSPECTS

2021 ◽  
Vol 104 (1-2) ◽  
pp. 219-229
Author(s):  
Gocha Abutidze Gocha Abutidze
Keyword(s):  
Financial Institutions ◽  
Banking Sector ◽  
Banking System ◽  
Staff Members ◽  
The Past ◽  
The World ◽  
European Banks ◽  
Bank Employees ◽  
Service Channels ◽  
Number Of Branches

In Switzerland’s banking sector, the pandemic has caused changes, although not on the same scale as in other countries. Switzerland’s banks, unlike banks in other countries, continue to do well financially. They have much less need to save money and therefore have little incentive to close their branches. However, as in the rest of the world, in recent years Switzerland has seen a downward trend in the number of branches and staff members. In 2019, more than 50 of the largest banks in the world laid off about 77,780 employees. An 82% laid off was made by European banks. Over the past 6 years, credit institutions have laid off 425,000 employees worldwide. This trend is exacerbated by the instability associated with the pandemic and prolonged waves of quarantines around the world, forcing financial institutions to move to remote service channels and reduce number of branchs. Consequently, today many more Switzerland’s banks are already considering staff reductions. In this way, banks plan to withstand growing competition, a decline in profitability and losses from the pandemic. The coronavirus has changed not only the attitude and policies of banks towards their business or the way customers conduct banking transactions, but also the payment habits of consumers: cards and smartphones have largely replaced cash. Keywords: Bank, Switzerland's Financial Center, Bank Branch, ATM, Bank Employees.

Shari’ah Audit Disclosure in annual reports: A comparison study between Bahrain and Malaysian Islamic Financial Institutions

2016 ◽  
Vol 4 (2) ◽  
pp. 202-218
Author(s):  
ڕێبوار محمد احمد ◽  
◽  
هێمن محمد عزیز ◽  
بصيرة ماجيد نجم ◽  
◽  
...  
Keyword(s):  
Financial Institutions ◽  
Annual Reports ◽  
Comparison Study ◽  
Islamic Financial Institutions

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.

scholarly journals A Review of the Recent Developments of Green Banking in Bangladesh

2021 ◽  
Vol 13 (4) ◽  
pp. 1904
Author(s):  
Fatema Khairunnessa ◽  
Diego A. Vazquez-Brust ◽  
Natalia Yakovleva
Keyword(s):  
Central Bank ◽  
Financial Institutions ◽  
Financial Regulation ◽  
Economic Transition ◽  
Secondary Data ◽  
Developed Countries ◽  
Annual Reports ◽  
Infrastructure Development ◽  
Recent Developments ◽  
The Developed Countries

This paper aims to explore the emergence of ‘Green Banking’ in Bangladesh, with a focus on the role of financial regulation and regulators in greening the financial sector. It also examines the contribution and involvement of banks and non-bank financial institutions in promoting green economic transition. The study is based on the review of secondary data collected from various sources, such as quarterly reports, annual reports, websites of the central bank of Bangladesh, and other commercial banks and non-bank financial institutions as well as various articles, and newspapers reports on green banking in Bangladesh. The collected data is reviewed using descriptive statistics. The research results reveal that the central bank of Bangladesh played a major role in greening the financial system of the country by implementing various green policies and regulatory measures. Although Bangladesh is still far behind the developed countries in terms of environmental performance, the country has made a remarkable progress in initiating and expanding green banking practices, infrastructure development, and accelerating green growth in recent years.

Sign in / Sign up

Export Citation Format

Share Document