I n recent years, important changes to the U.S. banking regulatory framework have been introduced that were expected to affect the size distribution of banks. These changes in regulation had a clear objective: to allow for a higher degree of horizontal and vertical integration in the banking industry. While horizontal integration takes place when different firms that are producing the same prod...

Over the last two centuries human race has created innumerable progresses in science, medicine and technology. The evidences of technology adaptation can be seen everywhere, from the large spacecraft to a small hand held smart phone. The dependencies on such technology have become inevitable and are now considered as the fourth necessity for life after air, water and food. In the current era of...

In this paper, we formulate a behavioral model under uncertainty to estimate the total factor productivity in the Taiwan banking industry. In particular, the paper provides a model based on the safety-first rule under uncertainty to measure the risk premium in banking operations that are subject to loan default and other investment risks. Using panel data of forty banks in 1981-1996, a translog...

The banking industry in Norway has developed a new security infrastructure for conducting commerce on the Internet. The initiative, called BankID, aims to become a national ID infrastructure supporting services such as authentication and digital signatures for the entire Norwegian population. This paper describes a man-in-the-middle vulnerability in online banking applications using BankID. An ...

If technological revolution is at its peak, one of the notable sectors of the economy where technology is at it helm of affairs with respect to customer service is BANKING. Over the years, banking has transcended from a traditional brick-and mortar model of customers queuing for services in the banks to modern day banking where banks can be reached at any point for their services. In today’s bu...

After the revolution of 1979, all of the private banks existing in Iran were nationalized and the economic system was based on public, cooperative and private sectors and banking operations were categorized in public sector. Consequently, private sector and foreign banks were bared from doing banking operations in Iran. According to the recent laws and regulations passed in Iran, the Irani...

The Iranian construction industry is facing several problems including low productivity and immense housing scarcity. It is generally believed that industrialisation and offsite manufacturing can increase the productivity of the Iranian housing industry. Yet, one of the major issues of the Iranian construction industry is defective management during design and construction processes which has c...

In this paper, we study the usages of data mining in banking industry and its related impacts. Great changes in banking services emerged from the application of data mining especially in retailing banking. We present China Merchant Bank (CMB) as an example to do case analysis, in which we explore data environment evaluation analysis model, operational efficiency model and profitability model to...

The recent financial crisis has raised several questions with respect to the financial institutions and banking industry. Hence, over the last decade the Iranian banking industry has undergone many substantial changes, such as liberalization, government regulation and technological advances. What impacts do these changes have on the policy instruments? We have answered this question in this stu...

The lack of having an anchored, strategy management performance infrastructure prevents leaders from evaluating the strengths organization’s strategic priorities. Evaluating organization is critical to success and sustainability a high-performing organization. key evaluate using system that consistently provides with valid information make informed decisions. Balanced Scorecard (BSC) one leadin...