Wandel Der Deutschen Bankenbranche sowie Verbraucheranforderungen an das zukünftige Bankgeschäft (Change in the German Banking Industry and Consumer Demands on Future Banking Business)

2021 ◽  
Author(s):  
Philippe Krahnhof ◽  
Alexander Zureck
Keyword(s):  
Banking Industry ◽  
Banking Business ◽  
Consumer Demands

scholarly journals Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank’s Future

2018 ◽  
Vol 11 (9) ◽  
pp. 23 ◽  
Author(s):  
Anna Eugenia Omarini
Keyword(s):  
Business Models ◽  
Banking Industry ◽  
Digital Technologies ◽  
Third Parties ◽  
Economies Of Scope ◽  
Traditional Model ◽  
Market Conditions ◽  
Banking Business ◽  
Revenue Streams

Mutated market conditions, the advent of new players and digital technologies, and a significant regulatory push, are profoundly changing the banking industry. Banking business models may shift significantly from a pipeline, vertical, paradigm, to open banking models where modularity can be an opportunity for banks. Not only are the abovementioned factors representing a threat to the traditional model, but also they are spurring significant new opportunities to pursue new revenue streams. Those opportunities are exploited through new banking paradigms that entail higher levels of openness towards third parties and a crescent number of modular services bundled together. Models can go to mere compliance with the prescriptions of openness of PSD2, to the inclusion of new services, the opening of the banking core and data, and the aggregation of those within a platform experience. Value is created in platforms through economies of scope in production and innovation.This paper has explored the evolution of Fintech and Techfin in the market and the emergence of platform models in banking. It has investigated the evolution of that concept, also introducing an interesting banking case (BBVA), which gives several insights on the choices made toward a Banking-as-a-Platform model within the context of Fintech and Open Banking.

Geography and structure of the banking sector: Trends in the world and Russia

2017 ◽  
pp. 83-97 ◽  
Author(s):  
S. Ageeva ◽  
A. Mishura
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Regional Economies ◽  
Banking Systems ◽  
The World ◽  
Banking Business ◽  
Non Local ◽  
Regional Banks

The article analyzes trends in the evolution of the structure and geography of Russian banking industry. It shows how three types of distances (operational, functional, and those between offices of competing banks) change under the influence of the concentration in banking business and reduction of the number of banks. The authors also provide a typology of regions according to the availability of local banks and non-local branches. We test a well-known hypothesis about the existence of a connection between the structures of the economy and its banking sector and show that the focus of regional banks’ activities in Russia has shifted towards SMEs, but we have not found a correspondence between the structures of regional economies and their banking sectors. The parameters of regional banking systems differ, and although many regions have their own specifics, such differences are not related to the structures of regional economies.

scholarly journals Satisfaction of Saudi Nationals and Expats towards Loans by Banks in Eastern Province, Saudi Arabia

2015 ◽  
Vol 6 (2) ◽  
pp. 1
Author(s):  
Mohammed Al Doghan
Keyword(s):  
Saudi Arabia ◽  
Financial Services ◽  
Banking Industry ◽  
Continuous Operation ◽  
Total System ◽  
Eastern Province ◽  
Financial Requirement ◽  
Banking Business ◽  
New Challenges ◽  
Financial Awareness

<p>The success of any business depends upon their effective and continuous operation which in-turn depends on their efficiency in meeting their financial requirement as finance is the life-blood of any business. At a globalized era in which we live, the business firms and individuals approach banks and financial institutions to avail loans to successfully operate in the competitive field. Marketing is a total system of business activities to plan, price, promote and distribute needs and satisfy customers to target markets in order to achieve organizational objectives. In this background of growing markets for financial services, increasing competition and improving the level of financial awareness and sophistication by the end users, both personal and corporate, the banks have to develop their marketing skill to maintain their market share and profitability levels. The changing face of banking industry has brought in new challenges and newer responsibilities to the bankers in Saudi Arabia. They have to function with new vigor and vitality in the significantly competitive banking business. Any failure on their part in keeping the eternal vigil is fraught with disastrous and devastating consequences.<strong></strong></p>

scholarly journals Cambio en la naturaleza del negocio de las entidades de crédito españolas en la segunda mitad de la década de los noventa (1995-2000) : evidencia empírica, nuevos problemas y soluciones organizativas

2008 ◽  
pp. 65
Author(s):  
Federico Marbella Sánchez
Keyword(s):  
Agency Costs ◽  
Banking Industry ◽  
Asymmetry Of Information ◽  
Business Units ◽  
Economic Parameters ◽  
Banking Business ◽  
Traditional Function ◽  
Strategic Business Units ◽  
Derivatives Markets

Este artículo examina el comportamiento de algunos parámetros económicos claves de las entidades de crédito españolas en el periodo 1995-2000. Dicho examen pone de manifiesto la continua disminución del margen de intermediación y sus causas, así como el cambio en la naturaleza de negocio bancario en el que cede importancia la actividad tradicional de intermediación adquiriendo mayor peso el negocio financiero (Intervención en los mercados de capitales, monetarios, de derivados, etc.). La extensión del ámbito de actividad bancaria da lugar a nuevas y especializadas unidades estratégicas de negocios que operan en condiciones de información asimétrica. Ello hace necesario contar con diseños organizativos que faciliten la coordinación, reduzcan costes de estructura y de agencia y permitan explotar y/o generar sinergias entre las tradicionales y las nuevas líneas de negocios.<br /><br />This paper examines the behaviour of several key economic parameters among Spanish finance companies over the period 1995-2000. This examination serves to highlight a continual decrease in margins for intermediaries and its causes. It also indicates the changes in the nature of banking business, in which the traditional function as intermediary is losing its prime place and financial business (intervention in capital, money, and derivatives markets and the like) is taking on a greater importance. This extension of the field of operations of the banking industry is giving rise to new specialized strategic business units operating in conditions of asymmetry of information. This leads to a need for organizational frameworks facilitating co-ordination, reducing agency costs and allowing synergies between traditional and new lines of business to be generated and-or exploited.<br />

scholarly journals Cambio en la naturaleza del negocio de las entidades de crédito españolas en la segunda mitad de la década de los noventa (1995-2000) : evidencia empírica, nuevos problemas y soluciones organizativas

2008 ◽  
pp. 65
Author(s):  
Federico Marbella Sánchez
Keyword(s):  
Agency Costs ◽  
Banking Industry ◽  
Asymmetry Of Information ◽  
Business Units ◽  
Economic Parameters ◽  
Banking Business ◽  
Traditional Function ◽  
Strategic Business Units ◽  
Derivatives Markets

Este artículo examina el comportamiento de algunos parámetros económicos claves de las entidades de crédito españolas en el periodo 1995-2000. Dicho examen pone de manifiesto la continua disminución del margen de intermediación y sus causas, así como el cambio en la naturaleza de negocio bancario en el que cede importancia la actividad tradicional de intermediación adquiriendo mayor peso el negocio financiero (Intervención en los mercados de capitales, monetarios, de derivados, etc.). La extensión del ámbito de actividad bancaria da lugar a nuevas y especializadas unidades estratégicas de negocios que operan en condiciones de información asimétrica. Ello hace necesario contar con diseños organizativos que faciliten la coordinación, reduzcan costes de estructura y de agencia y permitan explotar y/o generar sinergias entre las tradicionales y las nuevas líneas de negocios.<br /><br />This paper examines the behaviour of several key economic parameters among Spanish finance companies over the period 1995-2000. This examination serves to highlight a continual decrease in margins for intermediaries and its causes. It also indicates the changes in the nature of banking business, in which the traditional function as intermediary is losing its prime place and financial business (intervention in capital, money, and derivatives markets and the like) is taking on a greater importance. This extension of the field of operations of the banking industry is giving rise to new specialized strategic business units operating in conditions of asymmetry of information. This leads to a need for organizational frameworks facilitating co-ordination, reducing agency costs and allowing synergies between traditional and new lines of business to be generated and-or exploited.<br />

scholarly journals Analisis Demografi Pemegang Kartu Kredit Melalui Marketing Communication Pada BNI Card Center Surabaya

MANAJERIAL ◽  
2020 ◽  
Vol 7 (01) ◽  
pp. 101
Author(s):  
Wenti Krisnawati
Keyword(s):  
Digital Media ◽  
Credit Card ◽  
Banking Industry ◽  
Credit Cards ◽  
Business Environment ◽  
Communication Strategy ◽  
Marketing Communication ◽  
Case Study Methodology ◽  
Self Actualization ◽  
Banking Business

Background - During a period that was very vulnerable to competition in the banking industry, it encouraged the banking industry to quickly adjust to the development of the needs and desires and demands of the surrounding community regarding banking products. Current developments in the use of credit cards occur quickly because there are many conveniences obtained from the use of credit cards. Research Objectives - To find out and determine the demographics of credit card holders in BNI based on marketing communication strategies. Design / methodology / approach- Research is focused on a qualitative approach with a case study methodology, the population in this study is BNI credit card holders, a sample of 21 BNI Credit card holders and using triangulation for data validity. Results and Discussion - The results of the interview data for choosing a credit card holder to use a BNI credit card are to shop and meet the needs of self-actualization rather than basic needs, the results of the interview also show that the concept of integrated marketing communication is that the customer knows and and ultimately has a BNI credit card due to advertising in electronic and digital media. Conclusion - Demographically the job as an entrepreneur / entrepreneur is a customer who has a lot of BNI credit cards and reasons to facilitate customer shopping activities. Implication research - Based on the results of the research that has been made, this research contributes to the marketing communication strategy in the banking business environment and other industries by paying attention to each element of demographic segmentation. Limitations research - For further research try to analyze more specifically about complaints on credit card payments because this research is very broad regarding marketing and demographic communication.

scholarly journals DOES XBRL IMPROVE THE QUALITY OF FINANCIAL STATEMENTS IN THE BANKING INDUSTRY?

2019 ◽  
Vol 2 (2) ◽  
pp. 137-158
Author(s):  
Hari Prasetyo ◽  
Nelly Nur Apandi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Banking Industry ◽  
Stock Exchange ◽  
Statistical Tests ◽  
Financial Statements ◽  
Banking Business ◽  
The Relationship

This study aims to determine the influence of the complexity of the banking business on the quality of financial statements that are moderated by the XBRL reporting form on the banking industry sector listed on the Indonesia Stock Exchange in 2017. The sample used was 43 banking companies from a total of 91 financial sector companies, based on purposive sampling. The complexity of the banking business in this study is measured by the level of complexity of the BOOK based on OJK regulations No. 6 / POJK.03 / 2016, the quality of financial statements is measured using non discretionary accruals and xbrl is measured by the use of the company in that year. In analyzing data, this study uses statistical tests of multiple regression analysis. Based on the calculation of multiple regression analysis with the help of Eviews 10 software, the relationship between the complexity of the banking business and the quality of financial statements is strengthened by the form of XBRL reporting

“A Study on dimension of E-Banking Service Quality among Customer in Indian Banking Sector”

GIS Business ◽  
2019 ◽  
Vol 14 (6) ◽  
pp. 55-61
Author(s):  
Ms. S.L. Sobiya ◽  
Dr. N. Thangavel
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Financial Markets ◽  
Customer Service ◽  
Banking Sector ◽  
Banking Industry ◽  
Vital Role ◽  
Indian Market ◽  
Banking Service ◽  
Banking Business

Banking Industry is one the highly established in India, not only providing product it also concentrate on customer service and quality and their also try to maintain best quality among customers, clients, government and other organizations. Banking Industry in India is very powerful and plays a major role in development of our economy. It is a channel that link connection directly or indirectly towards the financial markets.  It is very clear that quality plays vital role in the banking sector.  Bank establishes service quality to their customers not only to impress them but also make them satisfied and win the competition among the banks. Customer satisfaction is very important concept since our Indian market totally deals with customers. Since the banker beliefs that “Customers is king”. Once, the customers are satisfied they are very much committed to the bank and will their loyalty and the banking business will be booming.

scholarly journals Perspective of Merger and Acquisition in the Indian Banks - A Sectoral Analysis

2011 ◽  
pp. 6-14
Author(s):  
Akankshya Arun Das ◽  
Bhagaban Das
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Statistical Significance ◽  
Banking System ◽  
National Development ◽  
Foreign Banks ◽  
Development Economic ◽  
New Era ◽  
Banking Business ◽  
Indian Banks

MERGER & ACQUISITION (M AND A) aims towards business restructuring thereby increasing competitiveness and shareholders’ value via increased efficiency. The banking industry has experienced an unprecedented level of consolidation on a belief that incomparable gain can accrue through expense reduction, increased market power, reduced earnings volatility and scale and scope of economies. The banking sector is one of the most important instruments of the national development. Economic development of the country is evident through soundness of the banking system. Deregulation in the financial markets, markets liberalization, economic reforms have witnessed astounding changes in the banking industry leading to incredible competitiveness and technological sophistication leading to a new era in banking. Since, then every bank is relentless in their endeavor to become financially strong and operationally efficient and effective. When deregulation dawned the horizon non banking financial institutions, private and foreign banks entered the fray with their hitechs. The outwit competition in the banking industry is bound to vault further down the lane, which in turn would make banking business more challenging and perplexing. A paradigm shift is discernable in the Indian Banking arena. This article concentrates on some M and A that have occurred post liberalization in India to understand the intents of “the Targets” and “the Acquirers”. The purpose of the present paper is to explore various motives of merger in Indian banking industry. The data of Merger and Acquisitions since economic liberalization are collected for a set of various financial parameters. Independent T-test used for testing the statistical significance and this test is applied not only for ratio analysis but also effect of merger on the performance of banks. This performance being tested on the basis of two grounds i.e.. Pre-merger and Post- merger. Finally the study indicates that the banks have been positively affected by the event of merger.

scholarly journals Impact of the new digital competitors on Swiss banking business models

2021 ◽  
Vol 10 (2) ◽  
pp. 33-45
Author(s):  
Ozenc Atca Gorgun ◽  
Bert Wolfs
Keyword(s):  
Value Chain ◽  
Financial Services ◽  
Business Models ◽  
Banking Industry ◽  
Primary Data ◽  
Market Segments ◽  
Banking Business ◽  
Survey Results ◽  
Digital Disruption ◽  
The Impact

This study examines the impact of new digital-only competitors on the Swiss banking business models and value chain. Despite various studies and articles available in the literature about the impact of new digital competitors on the banking industry, there is little research focusing on the Swiss market. The comprehensive research conducted in this study and the data collected through the survey provides a foundation to gauge the impact of the new digital competitors’ pressure on business models and value chain in the Swiss banking industry. The design of the research instrument employed for collecting the primary data has been achieved through a survey shared with 75 managers and experts working in the Swiss banking industry including Swiss banks, FinTechs, BigTechs, and other financial services and consultancy firms. One sample z-test and descriptive statistics have been applied to the survey results to gain a deeper understanding. The outcome of the analysis suggests that the competitive pressure of BigTechs and FinTechs is expected to have a significant impact on the Swiss banking industry, and mainly BigTechs are anticipated to be significantly dominant with disruptive impact.  The obtained results also strongly indicate that the cross-industry ecosystems and close partnerships with the new digital competitors are the potential key strategies to be pursued as the future Swiss banking business models. Besides, the disruptive new market entrants are anticipated to be highly likely to gain significant market share in certain market segments of the banking industry and also to create an “ecosystem” accordingly. The area of Personal and Corporate Banking is found out to be more vulnerable to digital disruption in comparison with the other banking areas.  

Sign in / Sign up

Export Citation Format

Share Document