N O T E . Much of the analysis in this article is based on Allen N. Berger, Qinglei Dai, Steven Ongena, and David C. Smith, "To What Extent Will the Banking Industry Be Globalized? A Study of Bank Nationality and Reach in 20 European Nations,'' Journal of Banking and Finance, vol. 27 (March 2003), pp. 383-415. The authors of the present article thank David Birks for making available the "Global...

Combating with immense competition now a day‟s banks are focusing upon customer satisfaction rather than merely rendering their services in the Indian banking industry. Due to the tough competition in banking sector, paradigm changes are seen in this sector. Various innovations are witnessed in this field, because banking sector is adopting innovative ways to improve their services & to win the...

The importance of service delivery technology and online service adoption and usage in the banking industry has received an increased discussion in the literature in recent years. Owing to the fact that Strong online banking services are important drivers for bank performance and customer service delivery; several studies have been carried out on online banking service adoption or acceptance wh...

Electronically mediated self-service technologies in the banking industry have impacted the way banks service consumers. Despite a large body of research on electronic banking channels, no study has been undertaken to empirically explore the fit between electronic banking channels and banking services. Therefore, we developed and validated a service-channel fit conceptualization and an associat...

Models of risk-adjusted or economic return have become considerably more important in the banking industry as the industry has become less regulated. These models range from traditional funds transfer pricing (FTP) models to more sophisticated models of economic value added (EVA). Although grounded in basic principles of economics, these models can be quite complex in practice. In this paper, w...

This article describes a successful cloud community—BankID—established in Norway, with the cloud infrastructure shared and owned by the Norwegian banking industry. The set of capabilities running on the BankID industry cloud3 enables electronic identification (eID), authentication and electronic signing (e-signing). Using these capabilities, the Norwegian banks have generated significant busine...

Executive Summary No matter how you slice it, banking is a dataheavy industry. But despite the proliferation of data, effective mining of insights has remained elusive. Given the tremendous advances in analytics software and the processing power generated by cloud-based utility computing architectures, the banking industry is ripe for change. As the industry works its way out of the financial c...

Technological advances have changed the way in which financial services are transacted, with mobile banking being the latest development in this domain. This paper focuses on the adoption of mobile banking services by consumers. Rogers’ diffusion of innovation model was adopted to study the consumers’ behaviour and motivation towards this innovation. The personal characteristics of mobile banki...

One of the crucial factors affecting success of e-banking services is customer’s trust. Acquiring customer trust depends on different variables that an e-banking struggles to control. This research aims to explain and clarify the inter-relationships and the interaction effects among customer’s online trust and other relevant factors such as satisfaction and loyalty in e-banking. We developed a ...

in very recent papers asmild et al. (2003) and halved et al. (2004) based upon potential improvement efficiency index (bogetoft and hougaard,1999) have suggested an alternative nonparametric frontier approach namely multi-directional inefficiency analysis (mea) to estimate the performance efficiency. mea has many advantages over data envelopment analysis (dea) as the standard nonparametric fron...