scholarly journals The Brazilian Banking Industry: A Study of the Entry Barriers to Foreign Institutions

2014 ◽  
Vol 13 (3) ◽  
pp. 63-76
Author(s):  
Juliana Rabelo Melo ◽  
Sérgio Henrique Arruda Cavalcante Forte ◽  
José Milton De Sousa Filho
Keyword(s):  
Factor Analysis ◽  
Logistic Regression ◽  
Central Bank ◽  
Banking Industry ◽  
Foreign Banks ◽  
Entry Barriers ◽  
Barriers To Entry ◽  
Institutional Barriers ◽  
Banking Market ◽  
Specific Barriers

Brazil began 2013 year with the announcement of the Central Bank of Brazil (BCB) on whether to authorize the entry of new nineteen foreign banks. Moreover, there are barriers to entry in any market. They are structural and can be hardly changed by potential entrants. The research investigates what are the entry barriers the foreign banks will face in the Brazilian market. The theory indicated the barriers should be surveyed, and other specific barriers emerged from consultation with 112 experts from the banking market. They were divided into market barriers and institutional barriers. The research consulted in 2013 the national regulator bank (BCB) and 39 domestic and foreign banks. The analysis was descriptive and explanatory using factor analysis and logistic regression. For the analysis it was considered as dependent variable the type of bank (domestic or foreign), and as predictors variables the entry barriers. As a result, it was seen that the barriers of market are representative and the institutional barriers showed no significance, which shows the strength of the banking industry in Brazil

scholarly journals MODIFIED SERVQUAL MODEL AND EFFECTS OF CUSTOMER ATTITUDE AND TECHNOLOGY ON CUSTOMER SATISFACTION IN BANKING INDUSTRY: MEDIATION, MODERATION AND CONDITIONAL PROCESS ANALYSIS

2017 ◽  
Vol 18 (5) ◽  
pp. 974-1004 ◽  
Author(s):  
Rizwan Raheem AHMED ◽  
Jolita VVEINHARDT ◽  
Dalia ŠTREIMIKIENĖ ◽  
Muhammad ASHRAF ◽  
Zahid Ali CHANNAR
Keyword(s):  
Factor Analysis ◽  
Customer Satisfaction ◽  
Financial Services ◽  
Banking Sector ◽  
Banking Industry ◽  
Process Analysis ◽  
Perceived Value ◽  
Online Banking ◽  
Foreign Banks ◽  
Banking Service

Banks are very important financial services sector, and in banking sector there is an intense competition amongst the local and foreign banks throughout the world. The objective of this research is to analyse the effects of perceived value and customer trust, and role of technology in banking service qualities and customers’ satisfaction in Pakistani context. For this purpose we employed modified SERVQUAL model with four dimensions such as empathy, competence, reliability, and online service. An adapted questionnaire was used to carry out this survey research, and collected 830 responses from the customers of Pakistani banking industry. We used factor analysis, confirmatory factor analysis, and bootstrapping methods to carry out this research. The results of the study demonstrated that our four-dimensional model of modified SERVQUAL has a significant impact on overall customer satisfaction. It is further concluded from the bootstrapping method that modified SERVQUAL dimensions and customer satisfaction are positively mediated by the perceived value and trust. Finally, it is also concluded that the implementation of technology serves as moderating variable in the banking sector. The outcomes of this research are beneficial to the senior management of banking sector in order to implement the effective and customised online banking structure to gain competitive advantages, and provide vibrant online banking services that enhance the standard and ease of services to the customers and earn their confidence. The originality and novelty of this research provide a significant contribution in the application of SERVQUAL model specifically for the banking service quality dimensions and customer satisfaction in marketing research.

scholarly journals Entry Barriers and Nonprofit Founding Rates: An Examination of the Milwaukee Voucher School Population

2017 ◽  
Vol 8 (1) ◽  
pp. 71-90 ◽  
Author(s):  
Fredrik O. Andersson ◽  
Michael Ford
Keyword(s):  
Third Party ◽  
Entry Barriers ◽  
Barriers To Entry ◽  
Approval Process ◽  
Success Rates ◽  
Institutional Barriers ◽  
School Population ◽  
Voucher Schools ◽  
Entrepreneurial Efforts ◽  
Unique Dataset

AbstractIn this study we examine how formal barriers to entry correlate with levels and changes in the founding rate of new voucher schools in Milwaukee. Drawing from a unique dataset covering founding attempts and successful foundlings of voucher schools since the early 1990s we show how formal institutions regulating entrepreneurial efforts have an impact on both attempts and success rates. For example, our analysis indicates that the removal of the non-sectarian school requirement led to an increase in entrepreneurial attempts. Likewise, we find that erecting of institutional barriers in the form of a formal third party approval process, proved to have an impactful effect on the founding success rate of new voucher schools. Our research also illuminate how a majority of entrepreneurial attempts, about 70 percent in the case of the new voucher schools in Milwaukee, fail somewhere between the stage of entrepreneur intent and actual establishment of the organization.

scholarly journals Foreign direct investment in Serbian banking industry: An exploratory study of motives

2011 ◽  
Vol 63 (4) ◽  
pp. 505-535
Author(s):  
Srdjan Marinkovic ◽  
Isidora Ljumovic ◽  
Aleksandar Zivkovic
Keyword(s):  
Foreign Direct Investment ◽  
Research Methodology ◽  
Exploratory Study ◽  
Direct Investment ◽  
Banking Industry ◽  
The Other ◽  
Foreign Banks ◽  
Relative Importance ◽  
Common Features ◽  
Banking Market

The paper is an attempt to assess relative importance of selected motives for foreign banks entry into Serbian banking market, as well as the changes that followed it, above all in terms of level of competition. We used questionnaires structured according to the main findings that come out of existing theoretical and empirical research on motives for FDI in banking industry. In addition, the goal of this study is to reveal the links between paradigms and theories, which are up to explaining determinants and motives of FDI in banking and the other industries, find common features, peculiarities and use it to refine research methodology.

EMERGING TRENDS IN BANKING SECTOR - ITS CHALLENGES AND OPPORTUNITIES

2018 ◽  
Vol 6 (26) ◽  
Author(s):  
Karigoleshwar .
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Banking System ◽  
Major Change ◽  
Commercial Banking ◽  
Foreign Banks ◽  
Emerging Trends ◽  
Reserve Bank ◽  
Challenges And Opportunities ◽  
Multiple Regions

In financial sector the banking industry is the largest player, has also been undergoing a major change. Today the banking industry is stronger and capable of withstanding the pressures of competition. Today, we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the fountain Head of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry has been so stupendous that it has no parallel in the annals of banking anywhere in the world. The banking industry has experienced a series of significant transformations in the last few decades. Among the most important of them is the change in the type of organizations that dominate the landscape. Since the eighties, banks have increased the scope and scale of their activities and several banks have become very large institutions with a presence in multiple regions of the country.' The paper examines the new trends in commercial banking. The present era the cashless transactions, E-cheques, mobile wallets. The paper attempts to present the emerging trends and its challenges that recently emerged in the banking sector with special emphasis on digitization. It will be useful to the academicians, banking and insurance personnel, students and researchers. Common readers also know the latest innovations in banking sector

The potential of entry barriers in the context of digitalization

2021 ◽  
Vol 21 (1) ◽  
pp. 128-147
Author(s):  
Aleksey Zazdravnykh
Keyword(s):  
Big Data ◽  
Market Power ◽  
Network Effects ◽  
Economies Of Scale ◽  
Digital Transformation ◽  
Entry Barriers ◽  
Barriers To Entry ◽  
Significant Growth ◽  
Digital Infrastructure ◽  
Market Operation

The article analyzes the practical aspects of the functioning of some barriers to entry in the era of digital transformation of industry markets. It is noted that under the influence of digitalization processes, both positive changes in the mechanism of market operation are recorded, as well as a number of negative circumstances that have become a serious challenge for antitrust agencies. Control of big data, initial investment in digital infrastructure, and broad technological capabilities of digital blocking of users, against the background of powerful network effects and pronounced economies of scale, carry the potential for significant growth in the market power of individual firms. The article substantiates that such trends theoretically pose a significant threat to competition, and can form new types of entry barriers. At the same time, practical arguments are presented that indicate the ambiguity of this position.

scholarly journals Trust, Literasi Media, Kepribadiah Hexaco dan Husnudzon Terhadap Kecenderungan Menggunakan Media Sosial

2019 ◽  
Vol 7 (2) ◽  
pp. 200-218
Author(s):  
Desri Rodhiatun Mardhiah ◽  
Ikhwan Lutfi
Keyword(s):  
Social Media ◽  
Factor Analysis ◽  
Logistic Regression ◽  
Regression Analysis ◽  
Confirmatory Factor Analysis ◽  
Media Literacy ◽  
Logistic Regression Analysis ◽  
Significant Influence ◽  
Cluster Sampling ◽  
Confirmatory Factor

AbstractThis study was conducted to determine the significance of the influence of trust information, media literacy, HEXACO personality and Husnudzon towards the tendency of using social media for seeking information at student college. The subject of this research was 280 students taken by probability sampling technique, namely cluster sampling. CFA (Confirmatory Factor Analysis) was used to test the validity of measuring instruments and logistic regression analysis is used to test the research hypothesis. The results showed that there was a significant joint effect of trust, media literacy, HEXACO's personality and Husnudzon towards the tendency of using social media for seeking information. Hypothesis test results show that six variables namely trust, structure of media literacy knowledge, personal media literacy locus, extraversion personality type, Husnudzon towards God, and Husnudzon towards others have a significant influence on the tendency of using social media for seeking information. Meanwhile, media literacy competencies, personality types; honesty-humility, emotionality, agreeableness, conscientiousness, and openness to experience do not have a significant influence on the tendency of using social media for seeking information. The results also show the proportion of variance from the tendency of using social media for seeking information explained by all independent variables is 18.0% while the remaining 82.0% is influenced by other variables outside of this study.AbstrakPenelitian ini dilakukan untuk mengetahui signifikansi pengaruh trust informasi, literasi media, kepribadian HEXACO dan husnudzon terhadap kecenderungan menggunakan media sosial untuk mencari informasi pada mahasiswa. Subjek penelitian ini berjumlah 280 mahasiswa yang diambil dengan teknik probability sampling yaitu cluster sampling. CFA (Confirmatory Factor Analysis) digunakan untuk menguji validitas alat ukur dan logistic regression analysis digunakan untuk menguji hipotesis penelitian. Hasil penelitian menunjukkan bahwa ada pengaruh secara bersama-sama yang signifikan dari trust, literasi media, kepribadian HEXACO dan husnudzon terhadap kecenderungan menggunakan media sosial untuk mencari informasi. Hasil uji hipotesis menunjukkan bahwa enam variabel yaitu trust, struktur pengetahuan literasi media, lokus personal literasi media, tipe kepribadian extraversion,husnudzon terhadap Allah, dan husnudzon terhadap sesamamemiliki pengaruh yang signifikan terhadap kecenderungan menggunakan media sosial untuk mencari informasi. Sementara itu, kompetensi-keterampilan literasi media, tipe kepribadian; honesty-humility,emotionality, agreeableness, conscientiousness, dan openness to experience tidak memiliki pengaruh yang signifikan terhadap kecenderungan menggunakan media sosial untuk mencari informasi. Hasil penelitian juga menunjukkan proporsi varians dari kecenderungan menggunakan media sosial untuk mencari informasi yang dijelaskan oleh seluruh variabel independen adalah 18.0% sedangkan 82.0% sisanya dipengaruhi oleh variabel lain diluar penelitian ini.

scholarly journals THE ROLE OF THE CENTRAL BANK IN THE FUNCTION OF IMPROVEMENT OF LIQUIDITY OF BANKING SECTOR IN BOSNIA AND HERZEGOVINA

2019 ◽  
Vol 12 (24) ◽  
Author(s):  
Goran Mitrović ◽  
Živko Erceg
Keyword(s):  
Monetary Policy ◽  
Central Bank ◽  
Bosnia And Herzegovina ◽  
Banking Sector ◽  
Banking System ◽  
Policy Instruments ◽  
Foreign Banks ◽  
Dayton Agreement ◽  
The Impact

The monetary policy of Bosnia andHerzegovina is rather limited because it is basedon the principles of a currency boardcharacterized by the impossibility of implementingthe basic monetary policy instruments incomparison with the monetary policy of theEuropean Union. However, the constant presenceof European integrations should point the need fora more drastic change in the monetary policy ofBosnia and Herzegovina. By entering theEuropean Monetary Union (EMU), the monetaryterritory of Bosnia and Herzegovina will becomeone of the branches of the European Central Bank(ECB). In addition, it is not difficult to concludewhy the Law about the Central Bank of Bosnia andHerzegovina has been adopted with the first lawsof the Dayton Agreement, if it is known that thelargest part of the banking system, and thereforethe financial market, is owned by foreign banks.This work will point out the significance of theCentral Bank of Bosnia and Herzegovina, as oneof the most important factors for maintaining thepermanent liquidity of the banking sector inBosnia and Herzegovina. The possibilities andlimitations of the Central Bank of Bosnia andHerzegovina will be determined, with theassumption of macroeconomic sustainability overa longer period of time. The need of reforming thebanking system in Bosnia and Herzegovina will beanalyzed through the constant implementation ofthe Basel standards with the increasingparticipation of foreign banks in the Bosnia andHerzegovina. It will be determined the impact ofthe implementation of the Basel III in the bankingindustry in Bosnia and Herzegovina and itsconsequences on the banking and economicsystem.models, on the ways of financing theelimination of adverse consequences of naturaldisasters.

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