As a result of the full opening up in China’s banking industry in 2006, foreign banks have gained more power in the market. On the one hand, it exerts a lot of pressure on domestic banks; on the other hand, it becomes a significant challenge for China’s financial security. As a country opening up much earlier than China, United States may offer some ideas on how to avoid mistakes in the opening...

Clayton Christensen’s Disruptive Innovation Theory (DIT) is one of the most renowned frameworks in strategic management. One important question discussed in the context of this theory is whether the Internet and also the business models of pure e-banks constitute a disruptive innovation to the retail banking industry. The objective of this paper is to address this question by conceptually analy...

Since 80s, along with the heating-up competition in finance industry and the liberalization trend of financial supervision, a tendency of integration appears in world three financial service fields, namely banking, insurance, and security. It threats the banking business. The banking industry that always possesses the core position in financial system faces enormous challenges. On the other han...

Crowdfunding represents a disruptive innovation in the banking industry by enabling the exploitation of market segments. Incumbents struggle to utilize this new phenomenon as crowdfunding is based on modules that have not been considered relevant for banking so far. Nevertheless, crowdfunding services are not entirely new compared to traditional banking. We argue that the modular design enables...

The political and economic environment during the 80’s coupled with the lacking of reliable network backbone and the inefficient and ineffective telecommunication infrastructure in the 90’s had resulted in banks in China adopting de-centralized approach in their computerization programs. China officially became a member of WTO in November 2001, and by the beginning of 2007, Renminbi (China’s cu...

The purpose of the research is to analyze factors of serviceability and reliability that could influence internet banking customer satisfaction in China. Moreover, the paper also tries to explain the relationship among serviceability, reliability and customer satisfaction, and to find some major variables for keeping high level internet banking customer satisfaction. The data demonstrated that ...

Objectives The recent shift, from merely traditional approach providing only financial services to the new trend implying banks can be considered as business partners meeting their whole financial needs and creating a win-win relationship, in customers’ opinion towards banks has made banks try to apply banking marketing strategies to help attract more customers and respond to their needs. Hence...

Tablet computers (tablets) have gained much attention in research, the application in a banking industry context remains somewhat unexplored. In particular, tablets could enhance customer-facing business processes, such as face-to-face advisory processes in the banking industry. This paper analyses the potentials of tablet-supported customer advisory and the impact on the advisory process based...

Stability analysis is one of the most important fields of study in the Islamic banking and finance industry. For measuring stability in Islamic banking, we introduced, for the first time, an Islamic banking stability index (IBS) during 2013 to 2016 which use all CAMEL factors and so seems to be more comprehensive than Z-score stability index which dominantly used in the existing literatures. To...