Mortgage Market Dynamics: Competition and Evolution

2019 ◽  
Keyword(s):  
Market Share ◽  
Business Models ◽  
Mortgage Market ◽  
Profit Margins ◽  
Market Participants ◽  
Mortgage Industry ◽  
Challenging Environment ◽  
Banking Business ◽  
Key Features ◽  
Better Than

The mortgage industry is currently undergoing some significant changes, with declining origination volume, a shifting mix of originations with a much higher share of purchase loans, and other factors leading to growth in market share for independent mortgage bankers but declining profit margins across the board. These changes are leading to a sharper focus by policymakers and market participants on the independent mortgage banking business model. This article highlights the key features of the current environment, with specific focus on some of the differentiators across business models. The industry will evolve over the next few years in response to this challenging environment, toward lenders who can best control costs while meeting customer needs better than the competitors and hence gaining market share.

Internet Banking and Online Trading

2011 ◽  
pp. 181-196
Author(s):  
Bin Chang ◽  
Shantanu Dutta
Keyword(s):  
Trading Volume ◽  
Business Models ◽  
Positive Impact ◽  
Empirical Studies ◽  
Banking System ◽  
Internet Banking ◽  
Web Based ◽  
Market Participants ◽  
Banking Business ◽  
Online Trading

In the recent past, online or Internet based banking has become quite common. Banks have also realized the potential of Internet banking and have recognized that it is necessary to integrate the customers’ new lifestyle and Web based activity preferences with their business models. Most of the empirical studies have reported positive impact of Internet banking on bank performance. Adoption of Internet banking leads to cost reduction and hence likely to increase banks’ profitability. Introduction on internet banking has brought unprecedented speed in banking system and has been playing a major role in the globalization of banking system. As Internet banking makes inroads to banking business, market participants have also started to use Internet for security trading activities. Online trading has led to an upward trend in trading frequency, trading volume, and turnover ratio.

scholarly journals ROLE OF TECHNOLOGY IN FINANCIAL INCLUSION IN INDIA

2021 ◽  
pp. 1-5
Author(s):  
Arun.K.V
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Business Models ◽  
Formal System ◽  
Financial Inclusion ◽  
Handheld Devices ◽  
Mobile Banking ◽  
Major Step ◽  
Banking Business

Technology and financial inclusion are the popular coinage in banking parleys in the country. While technological upgradation and mobile banking are catching up so fast, financial inclusion is tardy. Financial inclusion is a major agenda for the Reserve Bank of India (RBI). Without financial inclusion, banks cannot reach the un-banked. It is also a major step towards increasing savings and achieving balanced growth. The reach the country is having with technological progress mobile banking has the potential to emerge as a game changer in terms of costs, convenience, and speed of reach. Business models of banks, telecom operators and other stakeholders need to converge. However, the banking industry’s penetration to un-banked areas is still found sluggish. The role of the Indian banker is challenging. At one end of this spectrum lies the demand to achieve financial inclusion as nearly 50 per cent of the population is yet to be covered under the formal system of banking and at the other end lies the task to fulfil the needs of the existing customers. The first priority for banks is to adopt core banking solution (CBS), including all regional rural banks (RRBs). Next, a multi-channel approach using handheld devices, mobiles, cards, micro-ATMs, branches and kiosks can be used. However, it should be ensured that the transactions put through such front-end devices should be seamlessly integrated with the banks’ CBS. In rural areas, where accessibility is a problem, banks are using the microfinance network and business correspondents and facilitators to bring more people under the ambit of banking services. Capitalising on the huge untapped potential in smaller towns and cities and rendering financial services to this segment of people poses a big challenge. Few banks have explored technology solutions to increase the scale of their microfinance portfolios, with the use of smart cards and core banking solutions. KEYWORDS- Technology, Financial Inclusion, Core Banking, Business Correspondents

scholarly journals Perbankan Syariah dan Pertumbuhan Ekonomi Indonesia: Bagaimana Kontribusinya?

Al-Muzara ah ◽  
2020 ◽  
Vol 8 (2) ◽  
pp. 129-140
Author(s):  
Emy Widyastuti ◽  
Yusvita Nena Arinta
Keyword(s):  
Economic Growth ◽  
Market Share ◽  
Secondary Data ◽  
Islamic Banking ◽  
Investment Financing ◽  
Banking Business ◽  
Negative Effect ◽  
Capital Financing ◽  
Variable Consumption

Islamic banking takes part in the Indonesian economic and financial system which contributes to the dynamics of eeconomic growth. The number of Islamic banks in Indonesia, through its market share, is still quite small, namely 5.95% in 2019 of the total national banking market share. One of the main activities of Islamic banking is channeling financing through financing based on the type of use and business category. This study aims to determine the short-term and long-term contribution of Islamic banking to Indonesia's economic growth using the Vector Error Correction Model (VECM) method. The data used in this study are quarterly secondary data of real Gross Domestic Product (GDP) and financing based on the use and category of Indonesian Islamic banking business types, which consist of working capital financing, investment financing and consumption financing. The results showed that in the short and long term, the variable consumption financing had a significant negative effect on Indonesia's economic growth.

scholarly journals The rise of Chrome

2015 ◽  
Author(s):  
Jonathan Tamary ◽  
Dror G Feitelson
Keyword(s):  
Operating System ◽  
Market Share ◽  
Left Behind ◽  
Initial Release ◽  
Internet Explorer ◽  
Better Than

Since Chrome's initial release in 2008 it has grown in market share, and now controls roughly half of the desktop browsers market. In contrast with Internet Explorer, the previous dominant browser, this was not achieved by marketing practices such as bundling the browser with a pre-loaded operating system. This raises the question of how Chrome achieved this remarkable feat, while other browsers such as Firefox and Opera were left behind. We show that both the performance of Chrome and its conformance with relevant standards are typically better than those of the two main contending browsers, Internet Explorer and Firefox. In addition, based on a survey of the importance of 25 major features, Chrome product managers seem to have made somewhat better decisions in selecting where to put effort. Thus the rise of Chrome is consistent with technical superiority over the competition.

scholarly journals The Effects of Business Model on Bank’s Stability

2021 ◽  
Vol 9 (3) ◽  
pp. 46
Author(s):  
Thuy Thu Nguyen ◽  
Hai Hong Ho ◽  
Duy Van Nguyen ◽  
Anh Cam Pham ◽  
Trang Thu Nguyen
Keyword(s):  
Business Model ◽  
Business Models ◽  
The Philippines ◽  
Policy Implications ◽  
Model Choice ◽  
Econometric Methods ◽  
Banking Business ◽  
Asean Countries ◽  
Negative Impacts ◽  
The Stability

The literature shows little evidence of the effects of business models upon the volatility of banks in developing and fast-growing economies. Hence, this study examines the effects of business model choice on the stability of banks in ASEAN countries. Using GMM and other robust econometric methods on the sample of 99 joint stock commercial banks, we find significant and negative impacts of a diversification model in which banks shift toward non-interest and fees-based activities. We also find that the impacts are different between two groups of countries. For Vietnam, Indonesia and the Philippines, the diversification entails negative impacts on stability while demonstrating positive impacts for Thailand and Malaysia. Based on these findings, we draw policy implications for more sustainable development in the ASEAN banking business.

Business Model of Internet Banks

2011 ◽  
pp. 499-511
Keyword(s):  
Business Model ◽  
Business Models ◽  
Distribution Channel ◽  
Financial Industry ◽  
Development Potential ◽  
Better Than

Internet is not simply one more distribution channel among the multi-channel strategies used by the financial industry; it is fostering new “e-Business Models” such as Internet-primary banks. However, in spite of its strong development potential, this type of bank has often achieved a weak breakthrough onto this market and shows modest financial results. The goal of this chapter is to study the “e-Business Model” of Internet-primary banks and to determine if it can perform better than the “Business Model” of a traditional bank.

Creating the Environment for High Performing Distributed Teams

2011 ◽  
pp. 264-278
Author(s):  
Tim Rahschulte ◽  
Jim Steele
Keyword(s):  
Human Resource Development ◽  
Human Resource ◽  
Market Share ◽  
Business Strategy ◽  
Distributed Teams ◽  
Business Success ◽  
Profit Margins ◽  
High Performing ◽  
The People ◽  
Complex Landscape

The organizational workforce has always been a complex landscape. The varying personalities, demographics, and needs have challenged organizations to be legal, fair, and just, while simultaneously competing for market share and profit margins. Although these conditions are not mutually exclusive, due to the global reach for market share and use of supporting technologies, workforces have grown increasingly diverse over the past three decades. Organizations have looked to their Human Resource (HR) division to support business strategy, growth, and development. While a few have stepped up to accommodate, many HR divisions have struggled to support business needs in perhaps the greatest time of flux in modern day business. This is creating a serious issue for most organizations who recognize the competitive way forward is through effective Human Resource Development (HRD). Business success has always been about the people and it will continue to be so. Therefore, organizations struggling to develop their workforce to perform in complex, highly distributed situations will continue to lag (often far behind) the effective workforces of their competitors. This chapter offers best and next practices from HRD leaders accommodating the needs of their businesses.

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.

scholarly journals Innovative financial technologies as a factor of competitiveness in the banking

2019 ◽  
Vol 69 ◽  
pp. 00043
Author(s):  
Marina Glushchenko ◽  
Naila Hodasevich ◽  
Natalia Kaufman
Keyword(s):  
Financial Market ◽  
Asset Management ◽  
Financial Services ◽  
Business Models ◽  
Business Processes ◽  
Banking Services ◽  
Currency Exchange ◽  
Banking Business ◽  
Money Transfers ◽  
High Level

The models for the implementation and development of financial services and services are changing due to the global transformation of the financial and economic sphere, which is caused by the emergence of innovative financial technologies. This leads to a fundamental change in the financial market and the factors that determine the leading positions of its participants. Only the use of innovative technologies in the banking business ensures a high level of competitiveness in the market and further expansion of the client base. Banks are rebuilding traditional financial business models through cooperation with FinTech-industry, reforming business processes in areas such as banking services for individuals, lending and financing, payments, money transfers, asset management, currency exchange, insurance, blockchain transactions. The purpose of the article is to identify the main trends in the development of new financial technologies of banking. The authors identify the most important technologies that ensure the dynamic development of the global financial market and the fundamental transformation of the banking business in the past decade. In the article, the authors investigate the degree of their prevalence and the main areas of application in the field of banking, consider the successful practices of implementing of FinTech in the development of financial services.

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