singapore is depicted to be the fastest growing telecommunications nation in asia. presently, all the members of the singapore banking industry have engaged in the use of information and communication technology as a platform for effective and efficient means of conducting financial transactions. this paper focuses on determining the level of users’ acceptance of the electronic banking services...

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...

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...

Once China has been accepted into the World Trade Organization, all the business and geographical limitations that previously restricted the activities of foreign banks in China will be removed gradually. China is expected to allow foreign banks to conduct foreign currency business for all foreign customers immediately, to allow them to conduct foreign currency business involving Chinese client...

In this study, we investigate and discuss IT investment and related issues in the Japanese banking industry. And we insist that banks should take account of technology trend as one of heavy IT users and switch long-term-strategy and IT-migration-strategy appropriately in order to make the best of IT. First of all, we show some back grounds of Japanese banking industry and IT revolution. Next, w...

This study attempted to investigate the level of Bank efficiency in Ghana by using Data Envelope Analysis (DEA). The study revealed that bank efficiency in Ghana has improved after the introduction of financial sector reforms in 1988 which have led to more competitions among banks, increased financial innovation, strict regulatory regime and higher profitability. The operational, technical and ...

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...

I am delighted, as part of this first meeting of the Bankers Committee under my chairmanship, to share some thoughts with you on a major policy shift regarding the banking industry. Given the potential implications of the policy shift for the ownership and operations of the banking industry, we thought it was important to have this special meeting (with Chairpersons of Boards of Banks also in a...

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...

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...