This paper suggests cultural models for virtual banking based on ethnographic research. The spatial and temporal features of cybersp ace change the traditional banking service and customer relationships via information networks. Virtual banking service is represented as a cultural model of personal financial portal, instant and delayed communication and transactions, and ubiquitous banking. Vir...

In this paper, we study the empirical relationship between credit funding sources and the financial vulnerability of the Colombian banking system. We propose a statistical model to measure and predict banking fragility episodes associated with credit funding sources classified into retail deposits and wholesale funds. We compute the probability of financial fragility for both the aggregated ban...

One of the most important obstacles to using Internet banking is the lack of Stability of transactions and some misuse in the course of transactions it is financial. That is why preventing unauthorized access Crime detection is one of the major issues in financial institutions and banks. In this article, a system of intelligence has been designed that recognizes Suspicious and unusual behaviors...

The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. Growing international trading and problems in transferring money have motivated researchers to introduce a new structure. Online banking is the newest delivery channel for retail banking services. Online banking facilitated by various Electron...

The CLASS model is a top-down capital stress testing framework that uses public data, simple econometric models, and auxiliary assumptions to project the effect of macroeconomic scenarios on U.S. banking firms. Through the lens of the model, we find that the total banking system capital shortfall under stressful macroeconomic conditions began to rise four years before the financial crisis, peak...

In the context of developed countries and in several Middle Eastern countries, the problem of motivating consumers to make use of banking services has been resolved. However, in Yemen, majority of the citizens are non-bank users. This fact leads to a major issue and negatively affects the economy of the country. In this regard, the present study aims to shed a light on the factors that have the...

Electronic commerce involves a wide range of activities. The goal of electronic commerce is to improve the way in which business is conducted, through technology. This could be as simple as establishing a computer-mediated relationship between consumer and business, between business and supplier, or between supplier and manufacturer. It could involve automation of existing business systems, suc...

Throughout the 1980s and into the early 1990s, the effects of several financial cycles severely battered the banking system of the United States. As used here, the term "cycle" does not imply a recurring phenomenon, but rather a cycle through various phases--as in a boom and bust cycle. Most of these cycles began with a prolonged period of extraordinary growth centered in a particularly risky t...