Competition Between Neobanks and Online Banks in the French Retail Banking Market and Reactions From Universal Banks

2021 ◽  
pp. 191-216
Author(s):  
Jean Michel Rocchi
Keyword(s):  
Survival Analysis ◽  
Population Ecology ◽  
Banking System ◽  
Retail Banking ◽  
The Other ◽  
The Core ◽  
Banking Market ◽  
Set Up ◽  
Retail Banks ◽  
Market Strategies

This chapter will provide an analysis of market moves, and innovation sources, from newcomers and incumbent players, based on core and periphery networks theory; and additional survival analysis and VSR model, based on organizational population ecology. The French market neobanks, which are a subpart of fintech, are dominantly set up by entrepreneurs. On the contrary, online banks usually have universal banks as shareholders. Does this difference matter regarding market strategies? Is innovation coming only from peripheral actors like online banks and moreover neobanks, or do large retail banks at the heart of the banking system try to integrate or promote it? The author will discuss these topics to conclude with mixed evidence. Hence, if neobanks, on one hand, tend to converge towards the core; universal banks, on the other hand, are growingly accepting peripheral actors.

Impact of E-Collaboration Between Indian Banks and Fintech Companies for Digital Banking and New Emerging Technologies

2021 ◽  
Vol 17 (1) ◽  
pp. 15-35
Author(s):  
Narinder Kumar Bhasin ◽  
Anupama Rajesh
Keyword(s):  
Banking System ◽  
Payment System ◽  
The Other ◽  
Customer Base ◽  
Banking And Finance ◽  
Finance Industry ◽  
The Core ◽  
Challenges And Opportunities ◽  
Indian Banks ◽  
Financial Technology

At present, the Indian banking system is passing through the journey of revolutionary reforms from traditional banking to e-collaboration of digital banking products and financial technologies (Fintech) companies. They are creating financial disruptions and changing the shape of the payment system. Fintech is a new buzzword in the banking and finance industry which have to combine the core traditional banking liability and lending functions with new financial technology. It's a win-win situation for both Indian banks that have a huge customer base and a wide network of branches. On the other hand, Fintech companies are very strong in technology, but they need to build trust among the customer for the adoption of new digital and Fintech products. This research paper traces the various challenges and opportunities Indian banking system is facing in collaboration and co-invention with Fintech firms.

scholarly journals BANK EFFICIENCY AND CONCENTRATION OF THE BANKING SECTOR IN THE CEE COUNTRIES

2019 ◽  
pp. 77-89
Author(s):  
Sylwester Kozak ◽  
Agata Wierzbowska
Keyword(s):  
Inflation Rate ◽  
Banking Sector ◽  
Banking System ◽  
The Other ◽  
Gdp Per Capita ◽  
Bank Capital ◽  
Bank Efficiency ◽  
Banking Market ◽  
Per Capita ◽  
The Relationship

The relationship between the structure of the banking market and efficiency of banks has been a subject of many studies for several decades. There is no uniform opinion on the correlation between these variables. The goal of the research is to investigate this relationship for 96 banks operating in eleven CEE countries in the years of 2005-2017. Bank efficiency scores are assessed with the SFA method and regressed with bank and macroeconomic characteristics. The results show that the efficiency of banks is positively affected by the concentration of the market on which they operate, as well as by the size of individual banks. This relationship is valid for all examined countries. Additionally, bank efficiency is positively impacted by improving the banking system. On the other hand, the GDP per capita, inflation rate and bank capital ratio are not conducive to bank efficiency.

scholarly journals Generation Y consumers’ perceived brand personality of South African retail banks

2021 ◽  
Vol 16 (3) ◽  
pp. 130-140
Author(s):  
Marko van Deventer ◽  
Nkosinamandla Erasmus Shezi
Keyword(s):  
South African ◽  
Generation Y ◽  
Brand Personality ◽  
Retail Banking ◽  
Convenience Sample ◽  
Personality Dimensions ◽  
Banking Market ◽  
Financial Benefits ◽  
Retail Banks ◽  
Self Administered Questionnaire

Successful management of a retail bank’s brand requires some form of brand image, such as brand personality. Creating a retail bank’s brand personality is effective in establishing attachment between customers and the retail-banking brand they choose to support based on self-identification. As such, this study’s aim is to investigate the bank identification and perceived brand personality dimensions of retail banks among the profitable and significantly sized Generation Y banking market. For this study, a non-probability convenience sample of 300 Generation Y banking customers was used. A self-administered questionnaire was developed for data collection. The results of the study suggest that Generation Y customers perceive their chosen retail bank as successful, sophisticated, sincere, rugged, community driven and classic. Moreover, the results showed that the brand personality dimensions of community driven and successfulness are mostly related to the identification of Generation Y customers with their retail bank brand. Customers who easily identify with their retail bank brand bring financial benefits to the bank, as these customers remain loyal to the brand. The results provide insights that can help retail banks to better understand their current brand personality perceptions, which is important given that brand personality can improve bank brand identification among customers.

scholarly journals An Assessment of the Independent Commission on Banking's Recommendations

2011 ◽  
Vol 218 ◽  
pp. F4-F12 ◽  
Author(s):  
Angus Armstrong
Keyword(s):  
Financial Stability ◽  
Banking Industry ◽  
Banking System ◽  
Retail Banking ◽  
Key Issues ◽  
The Government ◽  
Set Up ◽  
Litmus Test ◽  
The Uk ◽  
Independent Commission

The government set up the Independent Commission on Banking (ICB) to consider structural and non-structural measures to promote stability and competition in the UK banking system. They have produced a comprehensive assessment covering some of the key issues facing the banking industry. The ICB's three core recommendations are: a ring-fence to separate retail and wholesale banking activities; banks are required to have more lossabsorbing capital; and greater competition in retail banking markets. In some respects, the recommendations are a step back towards an earlier time of compartmentalised banking. The litmus test is whether they deliver a similar period of financial stability and economic growth.

scholarly journals Making the Transition from Sure Start Local Programmes to Children's Centres, 2003–2008

2010 ◽  
Vol 40 (3) ◽  
pp. 595-612 ◽  
Author(s):  
JANE LEWIS ◽  
JONATHAN ROBERTS ◽  
CATHY FINNEGAN
Keyword(s):  
Early Intervention ◽  
Exploratory Study ◽  
Qualitative Data ◽  
The Other ◽  
Information Flows ◽  
Intervention Programme ◽  
The Core ◽  
Set Up ◽  
Children’S Centres ◽  
Mainstream Service

AbstractSure Start local programmes (SSLPs), an area-based early intervention programme for under fives in England set up in 1998, was replaced by children's centres (CCs), a universal, mainstream service, under the control of local authorities in 2003. This paper uses qualitative data from three urban authorities in an exploratory study that investigates how far CCs differ from SSLPs, and how far they are more recognisably similar to one another than were SSLPs. We explore interviewees’ understandings of the idea of an SSLP and of a CC; differences between the core offers of the two programmes in terms of funding, consistency, local responsiveness and the balance of services; issues arising from making CCs a mainstream service; and changes in governance in terms of information flows, lines of accountability and parent participation. We find that while CCs differ from SSLPs in significant respects, they also differ one from the other, and we offer some reflections on the possible causes of this.

The Salvage of Ideas: Schumpeter and the Core Problems Still Confronting Economics

2003 ◽  
pp. 15-26
Author(s):  
P. Wynarczyk
Keyword(s):  
The Other ◽  
The Core ◽  
Other Hand ◽  
The One

Two aspects of Schumpeter' legacy are analyzed in the article. On the one hand, he can be viewed as the custodian of the neoclassical harvest supplementing to its stock of inherited knowledge. On the other hand, the innovative character of his works is emphasized that allows to consider him a proponent of hetherodoxy. It is stressed that Schumpeter's revolutionary challenge can lead to radical changes in modern economics.

Risk Assessment of Core Banking System Replacement based on ISACA Framework

2014 ◽  
Vol 1 (1) ◽  
pp. 35-45
Author(s):  
Fenty Simanjuntak ◽  
Bobby Suryajaya
Keyword(s):  
Risk Assessment ◽  
Banking System ◽  
Residual Risk ◽  
Project Teams ◽  
Third Party ◽  
Project Delivery ◽  
Business Growth ◽  
Regulatory Requirements ◽  
The Core ◽  
Medium Risk

Many banks are looking for a better core banking system to support their business growth with a more efficient and flexible core banking system to improve their sales and services in the competitive market and to fulfill regulatory requirements. The decision of replacing the legacy core banking system is difficult due to the high IT investment cost required for banks because they are also trying to cut costs. But maintaining the legacy system is costly in terms of upgrade. Changing the core banking system is also a difficult process and increases risks. To have a successful Core Banking System implementation, risk assessment is required to be performed prior to starting any activities. The assessment can help project teams to identify the risks and then to mitigate the risks as part of the plan. In this research the Core Banking System replacement risks were assessed based on ISACA Framework for IT Risk. Fourteen risk scenarios related to Core Banking System Replacement were identified. The high and medium rated inherent risks can become medium and low residual risk after assessment by putting the relevant control in place. The result proves that by adding mitigation plan it will help to mitigate the Residual Risk to become low risk. There are still three residual risk which categorized as medium risk and should be further mitigated they are Software Implementation, Project Delivery and Selection/Performance of Third Party Suppliers. It is also found that COBIT 5 has considered some specific process capabilities that can be used to improve the processes to mitigate the medium risks.

The Final ‘Thank You’

Derrida Today ◽  
2010 ◽  
Vol 3 (1) ◽  
pp. 21-36
Author(s):  
Grant Farred
Keyword(s):  
South Africa ◽  
South African ◽  
Jacques Derrida ◽  
Political Transition ◽  
The Other ◽  
World Cup ◽  
The Core ◽  
Nelson Mandela ◽  
Black President ◽  
The Moment

‘The Final “Thank You”’ uses the work of Jacques Derrida and Friedrich Nietzsche to think the occasion of the 1995 rugby World Cup, hosted by the newly democratic South Africa. This paper deploys Nietzsche's Zarathustra to critique how a figure such as Nelson Mandela is understood as a ‘Superman’ or an ‘Overhuman’ in the moment of political transition. The philosophical focus of the paper, however, turns on the ‘thank yous’ exchanged by the white South African rugby captain, François Pienaar, and the black president at the event of the Springbok victory. It is the value, and the proximity and negation, of the ‘thank yous’ – the relation of one to the other – that constitutes the core of the article. 1

The Determinants of Capital Adequacy Ratio: The Case of the Vietnamese Banking System in the Period 2011-2015

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Ngoc Anh Nguyen
Keyword(s):  
Banking System ◽  
Precious Metals ◽  
Capital Adequacy ◽  
The Other ◽  
Total Asset ◽  
Data Set ◽  
Hand Size ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Positive Effect

The analysis of a data set of observation for Vietnamese banks in period from 2011 - 2015 shows how Capital Adequacy Ratio (CAR) is influenced by selected factors: asset of the bank SIZE, loans in total asset LOA, leverage LEV, net interest margin NIM, loans lost reserve LLR, Cash and Precious Metals in total asset LIQ. Results indicate based on data that NIM, LIQ have significant effect on CAR. On the other hand, SIZE and LEV do not appear to have significant effect on CAR. Variables NIM, LIQ have positive effect on CAR, while variables LLR and LOA are negatively related with CAR.

Analysis (Hans Morgenthau) to the concept of power and applied to the units of the international system

2019 ◽  
Vol 1 (1) ◽  
pp. 138
Author(s):  
Saif Nasrat Tawfiq Al - Haramazi
Keyword(s):  
Applied Sciences ◽  
International System ◽  
The Other ◽  
Human Sciences ◽  
Basic Requirement ◽  
The Core ◽  
Hans Morgenthau

The theoretical curriculum in all disciplines is a basic requirement that nourishes the minds of the intellectual and cognitive recipients in the various scientific and cognitive stages. This is the framework that distinguishes the academic understanding of the anarchic, which is one of the most important and important keys in thinking and success in that jurisdiction or field, , Because it is unreasonable and logical to get into the core of any subject without searching and searching for its intellectual and historical bases to find out the reasons and reasons that surrounded this idea which was later recognized as an important contribution to the field of human sciences. Applied Sciences and other from the other side.

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