منابع مشابه
The Importance of Payments-Driven Revenues to Franchise Value and in Estimating Bank Performance
This paper examines how the production of payment services impacts the franchise value of banks. It also explores whether analysts are incorrectly measuring the performance of the banking sector and failing to realize the full importance of payments-driven revenues to banks. In initial empirical analysis, we find limited evidence to suggest that higher payments-driven revenues are associated wi...
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As with the other panellists I have been asked to talk about the challenges that non-banks pose for central bank oversight of payment systems. This is an issue that the Reserve Bank of Australia (RBA) has spent quite a lot of time thinking about recently. As you might be aware, in the late 1990s, the RBA was given specifi c powers by the Australian Parliament to promote the effi ciency and stab...
متن کاملBig Banks in Small Places: Are Community Banks Being Driven Out of Rural Markets
T he U.S. banking system has consolidated in recent years, and the shares of total banking system assets and deposits held by the very largest banking organizations have increased markedly. The number of commercial banks reached its post-World War II peak of 14,483 banks in 1984. By year-end 2012, the number of commercial banks had declined to 6,096. In 2001, the five largest commercial banks h...
متن کاملMobile operators as banks or vice-versa? and: regulators interest in the best efficiency for payments
This paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents for flows of cash for themselves and third parties. Through analysis and data analysis from selected operators , it is shown that mobile operators achieve as money flow handlers levels of efficiency , profitability ,and risk c...
متن کاملDynamic Programming Driven Memetic Search for the Steiner Tree Problem with Revenues, Budget, and Hop Constraints
Authors are encouraged to submit new papers to INFORMS journals by means of a style file template, which includes the journal title. However, use of a template does not certify that the paper has been accepted for publication in the named journal. INFORMS journal templates are for the exclusive purpose of submitting to an INFORMS journal and should not be used to distribute the papers in print ...
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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 1999
ISSN: 1556-5068
DOI: 10.2139/ssrn.163155