Hybrid journal (It can contain Open Access articles) ISSN (Print) 2055-6780 - ISSN (Online) 2055-6799 Published by Inderscience Publishers[443 journals]
Authors:Ashima Tandon, Manisha Goel, Sunita Bishnoi Pages: 133 - 150 Abstract: Purpose - The purpose of this paper is to explore the various factors affecting the usage of internet banking. Furthermore, the study tries to find out the relation between factors affecting usage of internet banking and demographic variables of the respondents residing in Delhi and National Capital Region (NCR). A questionnaire with five-point Likert scale consisting of 58 statements related to the various factors affecting internet banking is designed. Primary data have been gathered from 450 respondents using random sampling method. The results of the study indicate that the factors namely accuracy, user friendly websites, efficient transaction management, responsiveness and promised service delivery affect the usage of internet banking. Also these factors show significant relation with different groups of demographic variables like gender, place of residence, occupation and category of bank. The results are suitable to provide a practical contribution in the area of internet banking and in understanding consumer behaviour. Keywords: internet banking; Likert scale; random sampling; level of significance Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 133 - 150 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085591 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Ashima Tandon, Manisha Goel, Sunita Bishnoi Pages: 151 - 169 Abstract: The contribution attempts to find a confirmation of the theoretical statements presented by carrying out both a theoretical and an empirical analysis concerning credit institutions as a reference point for cooperative banks. We are referring to the so called 'popular banks' with their existing limits, compared with the rest of the Italian banking system, analysing the deposits, loans and bad debts in the years from 1995 to 2013; they have also proved to be more stable than the rest of the financial market during the last crisis (2008). Finally, in this era of globalisation it is highlighted how the regional bank model has to evolve by responding to the calls coming from the new competitive context in which new market requirements impose a series of challenges in the future. Keywords: territorial banks; local banks; financial crisis; regional banks Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 151 - 169 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085593 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Ashima Tandon, Manisha Goel, Sunita Bishnoi Pages: 170 - 191 Abstract: In the early 1990s, with the development of information and communication technology (ICT), global banks began looking for a new world consisting of markets rather than relationships through the development of standardised services in the markets. However, in the early 21st century, with the collapse of the speculative bubble and the financial crisis of 2008, which caused financial instability and damaged the real economy, the entire banking system and the market itself suffered profound changes in profitability. Thus, began efforts to develop a new cultural relationship between banks and companies known as 'glocal banking'. These include: studying the needs of customers, planning and providing services, working as a team and using new training methodologies coherent with a new entrepreneurial banking culture based on relationships with small- and medium-sized enterprises (SMEs), which represent both the majority of European and Italian firms (Italian SMEs account for ~99% of the national total). Keywords: territorial bank; glocal bank; local bank; relationship bank Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 170 - 191 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085595 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Ashima Tandon, Manisha Goel, Sunita Bishnoi Pages: 192 - 208 Abstract: Market risk in banking activity is becoming a more severe issue day by day for several reasons. Analysing it from a regulatory point of view is fundamental for assessing whether or not banks are in the conditions of disclosing a satisfactory degree of information about their market risk exposure. The two regulatory constraints to consider are International Accounting Standards (IAS/IFRS) and the Basel regulation. Both of them seem to put too many constraints on banks. They turn out to be over-over-regulated. Even if regulators put many efforts in trying to provide a useful regulation for banks' risk reporting and capital adequacy, we are still far from a good regulation. The regulatory process for banks must be an ongoing and evolutionary one, but probably, it is not enough. A possible solution to this issue could be giving a greater importance to the supervisory function, rather than imposing additional constraints. Keywords: market risk reporting; Basel regulation; IAS/IFRS; International Accounting Standards; risk management in banking; pillars Basel regulation; supervisory review process; capital requirements; market discipline; risk disclosure; capital buffer; fin Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 192 - 208 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085598 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Monia Ben Ltaifa, Walid Khoufi Pages: 209 - 223 Abstract: Financial crises have highlighted the fragility of the banking system, especially for the case of conventional and Islamic banks. So, the objective of this paper is to verify the existence of the contagion effect between Islamic and conventional banks in Kuwait. Then, we use the dynamic conditional correlation-generalised autoregressive conditional heteroscedasticity (DCC-GARCH) model to estimate the conditional dynamic correlation to assess the financial contagion for a sample composed of three Islamic banks and five conventional banks during the period of study from 31 March, 2004 to 18 March, 2014. The empirical results show that the correlation between the returns of Islamic and conventional banks in Kuwait increased between the period of calm and crisis. This finding implies the existence of a contagion effect between Islamic and conventional banks in Kuwait. Also, thus result implies that financial contagion represents a major source for the spread of the crisis between the Islamic and conventional banks in Kuwait. Keywords: contagion; Islamic; conventional; banks; DCC-GARCH; dynamic conditional correlation-generalised autoregressive conditional heteroscedasticity Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 209 - 223 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085596 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Monia Ben Ltaifa, Walid Khoufi Pages: 224 - 238 Abstract: In the course of the 2013 Islamic World Forum held in London, the former British Prime Minister David Cameron announced, before an audience of 1800 politicians and businessmen from 115 countries around the world, his government's plans for structuring the first European large sovereign sukuk [Arabic الصكوك]. This announcement was followed, in July 2014, by the first major issuance of sovereign sukuk by a European country. This study analyses the traits of sukuk - Islamic equity certificates - and contains reflections on the state of the European market and on the opportunities that sukuk issues may offer for financing large infrastructure projects or public debt and for multiplying the number of investors desirous of holding public debt issued by European countries in hard currencies. Keywords: Islamic finance; Islamic certificates; investments; European stock markets; Islamic investments Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 224 - 238 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085599 Issue No:Vol. 1, No. 3/4 (2017)
Authors:Monia Ben Ltaifa, Walid Khoufi Pages: 239 - 252 Abstract: Macro economic factors are commonly being considered as useful indicators for predicting the trajectories of state-owned banks' earning. To explore and learn about the relationship between Indonesian state-owned banks' performance efficiency and their effects on the state of profitability, this study observes and analyses measured and correlated year to year earning changes and financial ratio in the period of 2007-2015. Data sample consisting of four state-owned banks are collected and analysed in this research by incorporating the panel regression approach with fixed effects models. Results of conducted analysis confirm that the net interest margin (NIM) and loan to deposit ratio (LDR) are exposing significant effect to both the earnings changes and the return on equity (ROE), whilst the capital adequacy ratio (CAR), return on asset, the national interest rate and the Indonesian exchange rate against the US dollar was not found to expose any significant effect. Keywords: financial ratio; earning changes; performance efficiency; profitability; Indonesia state-owned banks; Indonesia central bank Citation: International Journal of Financial Innovation in Banking, Vol. 1, No. 3/4 (2017) pp. 239 - 252 PubDate: 2017-08-01T23:20:50-05:00 DOI: 10.1504/IJFIB.2017.085613 Issue No:Vol. 1, No. 3/4 (2017)
Hybrid journal (It can contain Open Access articles)
[443 journals]
