Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere bankin...

Electronic banking is generally an extension of traditional banking, using the internet as an electric delivery channel for banking products and services. The banking today is redefined and re-engineered with the use of IT and it is sure that the future of banking will offer more sophisticated services to customers with the continuous product and process innovations. Thus there is a paradigm sh...

The concept of Service-oriented Architecture (SOA) is becoming increasingly important not only in research, but also in practice. SOA has emerged as a major topic, especially in regards to the banking industry as it is one of the cutting-edge industries concerning service-orientation. SOA implementation in the German banking industry varies, with some still in the adoption phase and others alre...

This article examines the effect of GDP growth on bank profitability in China over the period 2003-2009. The one-step system GMM estimator is used to test the persistence of profitability in Chinese banking industry. The empirical findings suggest that cost efficiency is positively related to bank profitability, while lower profitability can also be explained by higher taxes paid by banks. In a...

This article examines the effect of GDP growth on bank profitability in China over the period 2003-2009. The one-step system GMM estimator is used to test the persistence of profitability in Chinese banking industry. The empirical findings suggest that cost efficiency is positively related to bank profitability, while lower profitability can also be explained by higher taxes paid by banks. In a...

Competition in the Þnancial sector is more complex than in the rest of the economy. On the one hand, concentration in the banking industry reduces (static) efficiency as it does in any industry. On the other hand, concentration may also affect the stability of the banking industry in ways that have no counterpart in other industries. In this paper we consider a variety of models of competition ...

How do banks react to increased interbank competition? Recent banking theory offers conflicting predictions about the impact of interbank competition on bank orientation i.e., the choice of relationship based versus transactional banking and bank industry specialization. We empirically investigate the impact of interbank competition on bank orientation and specialization. We employ a data set c...

Health care service delivery could be described as an information intensive industry. In contrast the banking industry is transaction intensive. Both are able to benefit greatly from the use of computing, information and communications technology. Yet the banking industry is much further advanced in this regard. A transaction based system relies predominantly on data. These are observations or ...