La participacion de filiales aseguradoras en la comercialización de prestamos hipotecarios: extensión de posición dominante al mercado de seguros español

2020 ◽  
pp. 715
Author(s):  
Juan Pablo Soria Bastida
Keyword(s):  
Exponential Growth ◽  
Retail Banking ◽  
Mortgage Loan ◽  
Loan Contracts ◽  
Insurance Sector ◽  
Free Competition ◽  
Insurance Contracts ◽  
Banking Market ◽  
Banking Networks

Las entidades de crédito llevan décadas anudando contratos de préstamo hipotecario con contratos de seguro producidos por sus propias filiales aseguradoras. La distribución de estos seguros en el mercado de banca minorista ha sido masiva, contribuyendo al crecimiento exponencial del canal banca-seguros y al aprovechamiento de las redes bancarias. En este trabajo se examinan, desde nuestro sistema de libre competencia, las condiciones de competencia surgidas a través de la práctica de vinculación y sus repercusiones frente al resto de operadores del sector del seguro. For decades, loan institutions have been tying mortgage loan contracts with insurance contracts produced by their own insurance subsidiaries. The distribution of these insurances in the retail banking market has been massive, contributing to the exponential growth of the bancassurance channel and the use of banking networks. This paper examines, from our system of free competition, the conditions of competition arising through the tying practice and its repercussions in relation to the rest of the insurance sector operators.

scholarly journals A model of customer loyalty in the retail banking market

Accounting ◽  
2017 ◽  
Vol 3 (2) ◽  
pp. 95-100 ◽  
Author(s):  
Hadi Hajiyan ◽  
Ali Akbar Aminbeidokhti ◽  
Hadi Hemmatian
Keyword(s):  
Customer Loyalty ◽  
Retail Banking ◽  
Banking Market

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.

scholarly journals FORMATION OF COMPETITIVE ADVANTAGES IN THE BANKING SECTOR THROUGH THE USE OF CORPORATE ENTREPRENEURSHIP TOOLS

2021 ◽  
Vol 9 (4) ◽  
pp. 117-132
Author(s):  
A. N. Kuznetsov
Keyword(s):  
Market Share ◽  
Banking Sector ◽  
Corporate Entrepreneurship ◽  
Operational Efficiency ◽  
Retail Banking ◽  
Competitive Advantages ◽  
Strategic Positioning ◽  
Banking Services ◽  
Banking Market ◽  
Credit Institutions

The competitiveness of credit institutions in the retail banking market lies in their ability to conduct business in this market in order to obtain the highest possible market share and profits. Achieving these goals is linked to the level of operational efficiency and strategic positioning or differentiation of banking services. Consider the tools of corporate entrepreneurship that form competitive advantages in the banking sector.

scholarly journals DETERMINANTES E IMPACTOS DA RECENTE ENTRADA DE BANCOS EUROPEUS NO BRASIL

2004 ◽  
Vol 30 (2) ◽  
Author(s):  
Luiz Fernando De Paula
Keyword(s):  
Mergers And Acquisitions ◽  
Banking Sector ◽  
Retail Banking ◽  
Foreign Banks ◽  
Recent Period ◽  
Banking Market ◽  
European Banks ◽  
Legal Restrictions ◽  
Main Determinants ◽  
Domestic Banks

Este artigo objetiva analisar os principais determinantes e impactos da recente onda de bancos europeus no Brasil. A principal hipótese do artigo é que a onda de bancos europeus só pode ser entendida se forem considerados ambos os fatores externos e internos. Os determinantes externos estão relacionados ao processo de consolidação bancária no sistema financeiro europeu no contexto da União Monetária Européia, que tem estimulado alguns bancos a se expandirem para o exterior. Os determinantes internos, por sua vez, estão relacionados principalmente à gradual flexibilização das restrições legais, com respeito à presença dos bancos estrangeiros no setor bancário brasileiro. Finalmente, o artigo também avalia os impactos da entrada recente dos bancos europeus no mercado bancário varejista brasileiro. Neste particular, ele mostra que a entrada estrangeira tem afetado o mercado bancário doméstico, forçando os bancos nacionais a operarem de forma mais eficiente e também a expandir suas atividades, organicamente ou por fusões e aquisições. O paper conclui que não existe evidência de que os bancos estrangeiros são mais eficientes do que os bancos domésticos no Brasil no período recente, mas existe alguma evidência de que os maiores bancos privados nacionais têm reagido positivamente à entrada dos bancos estrangeiros. Abstract This paper aims at analyzing the main determinants and impacts of the recent wave of European banks entering Brazil. The principal hypothesis of the paper is that the wave of European banks can only be understood if one considers both external and internal determinants. External determinants concern the process of banking consolidation in the European financial system under the EMU that has stimulated some banks to expand abroad. Internal determinants are mainly related to the gradual flexibilisation of legal restrictions with respect to the presence of foreign banks in the Brazilian banking sector. Finally, the paper evaluates the impacts of the recent entry of European banks into the retail banking market in Brazil. In this particular matter, it shows that foreign entry has affected the national banking market, forcing domestic banks to operate more efficiently, and also to expand their activities organically or by mergers and acquisitions. The paper concludes that there is no clear evidence that foreign banks have been more efficient than domestic banks in Brazil in the recent period, but there is some evidence that the big private Brazilian banks have reacted positively to the entry of foreign banks.

Determinants of relationship quality and customer loyalty in retail banking

2017 ◽  
Vol 8 (2) ◽  
pp. 186-204 ◽  
Author(s):  
Ernest Emeka Izogo ◽  
Abdi Reza ◽  
Ike-Elechi Ogba ◽  
Chukwunonso Oraedu
Keyword(s):  
Information Sharing ◽  
Relationship Quality ◽  
Customer Loyalty ◽  
Customer Orientation ◽  
Emerging Market ◽  
Explanatory Power ◽  
Retail Banking ◽  
Content Type ◽  
Proposed Model ◽  
Banking Market

Purpose The purpose of this paper is to explore the determinants of relationship quality (hereafter referred to as RQ) and its impact on customer loyalty within an emerging retail banking market through a dual-lens theory. Design/methodology/approach The research informants were recruited from a city in South-eastern Nigeria. A quantitative data obtained through bank-intercept method and online survey from 332 customers of retail banking services formed the final database. The proposed model and by implication the research hypotheses were tested using partial least squares structural equation modelling procedure. Findings The results show that customer orientation, expertise and information sharing are stimulus factors that directly influence the constructs of RQ (i.e. trust and satisfaction and indirectly influence customer loyalty through the constructs of RQ. The paper also demonstrates that the stimulus factors are direct predictors of consumers’ response. The proposed model explained 49 per cent of the total variance in customer loyalty. Research limitations/implications Customer orientation, expertise and information sharing are stimulus factors that improve RQ and customer loyalty. However, the explanatory power of the proposed model is modest. Future research should therefore integrate other determinants of RQ. Practical implications The paper provides clear insights into how retail bank managers operating in a very competitive and emerging market can improve RQ and subsequently attract customer loyalty. Originality/value The paper contributes to the growing body of stimulus-organism-response (S-O-R) literature within the retail environment by exploring unique stimulus and organism variables from an emerging retail banking market perspective. Additionally, by showing that the stimulus factors are direct predictors of consumers’ response, the paper challenged the existing tenets of the S-O-R framework and deepened the current understanding of the model. The paper also contributes to the social exchange theory by demonstrating how the components of RQ mediate the antecedents and consequences of the construct.

scholarly journals New Tools to Support the Risk Assessment Process of Nanomaterials in the Insurance Sector

2021 ◽  
Vol 18 (13) ◽  
pp. 6985
Author(s):  
Francisco Aznar Mollá ◽  
Carlos Fito-López ◽  
Jose Antonio Heredia Alvaro ◽  
Francisco Huertas-López
Keyword(s):  
Assessment Process ◽  
Proper Understanding ◽  
Risk Assessment Process ◽  
Main Route ◽  
Analysis And Evaluation ◽  
Insurance Sector ◽  
Insurance Contracts ◽  
Emerging Risk ◽  
Wear And Tear ◽  
Route Of Exposure

During the last decade, the use of nanomaterials, due to their multiple utilities, has exponentially increased. Nanomaterials have unique properties such as a larger specific surface area and surface activity, which may result in health and environmental hazards different from those demonstrated by the same materials in bulk form. Besides, due to their small size, they can easily penetrate through the environmental and biological barriers. In terms of exposure potential, the vast majority of studies are focused on workplace areas, where inhalation is the most common route of exposure. The main route of entry into the environment is due to indirect emissions of nanomaterials from industrial settings, as well as uncontrollable releases into the environment during the use, recycling and disposal of nano-enabled products. Accidental spills during production or later transport of nanomaterials and release from wear and tear of materials containing nanomaterials may lead to potential exposure. In this sense, a proper understanding of all significant risks due to the exposure to nanomaterials that might result in a liability claim has been proved to be necessary. In this paper, the utility of an application for smartphones developed for the insurance sector has been validated as a solution for the analysis and evaluation of the emerging risk of the application of nanotechnology in the market. Different exposure scenarios for nanomaterials have been simulated with this application. The results obtained have been compared with real scenarios, corroborating that the use of novel tools can be used by companies that offer risk management in the form of insurance contracts.

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