by entering the era of information and communication and moving from manufacturing and industrial economy towards knowledge-based service economy; the competitive bases of businesses have changed from capital budgeting and tangible assets towards intangible assets and intellectual capital, including social and relational capitals. hence, over the past ages, organizations emphasize more on infor...

The technological challenges have led the bank sector to actively bet on technological innovation strategy including the provision of applications for mobile devices. However, the development of mobile tools has had a greater expression for customers than for commercial managers of banks. This paper aims to present an architecture that supports the desmaterialization of transactions at the coun...

ICT has taken the center stage in almost every aspect of human endeavor. ICT help banks improve the efficiency and effectiveness of services offered to customers, and enhances business processes, managerial decision making, and workgroup collaborations, which strengthens their competitive positions in rapidly changing and emerging economies. This paper considers the impacts and trends of ICTs o...

Internet banking is booming in Jordan and it is time for banks and customers to reap the benefits from such technology. Bank customers’ propensity to use internet banking is dependent on their attitudes towards such technology. This work validates an Arabic technology acceptance instrument through a rigorous process so that banks can better understand the factors that affect the customer’s inte...

This study wants to investigate the rating of the actual customers of banks based on credit risk using multiple criteria decision making and artificial intelligence hyperbolic regression. This is an applied research. The statistical population of the study includes the credit customers of Agriculture Bank in west branches of Mazandaran province, Iran in 2012-2016. A total of 100 cases have been...

Banks are the financial institutions that collect assets from various sources and allocate them to the sectors that require liquidity. Therefore, banks are an inherent element in the system of every country. As private banks enter financial markets, the demand for diverse banking services increases dramatically. Banks seek to use various techniques to improve their performance in attracting cus...

We report on the design and implementation of a system that uses multiparty computation to enable banks to benchmark their customers’ confidential performance data against a large representative set of confidential performance data from a consultancy house. The system ensures that both the banks’ and the consultancy house’s data stays confidential, the banks as clients learn nothing but the com...

In this more integrated and dynamic environment, the retail banking frontier of the future is defined by the range of services that are accessible to the consumer. Increasingly, technology is no longer an inhibiting factor in the payment services offered by banks. Indeed, expedient fund transfers and account access flexibilities are now apparent elements that differentiate banks to the discerni...