Digital transformation in the banking sector is a continuous process that affects both external and internal environment by redesigning processes existing methods. There are many reasons digital takes place, such as servicing remote areas without physical branches, differentiation from competitors or reduction of operating costs. In any case, there lot doubts about acceptance technologies. Thus...

The merger of banks is one of the methods for reforming the structure of banks, which has attracted Iranian banking policymakers in recent years. In the process of merging, paying attention to its effects can help to integrate banks. In Iranchr('39')s banking network, financing of production is one of the main concerns of banking policymakers. Therefore, it is important to study the effect of b...

We explore the acoustics of Greek voiced stops produced by 2and 3year-old Greek-acquiring children and compare them with adult patterns, in order to understand developmental universals in the mastery of phonation-type contrast. A truly voiced stop (i.e., one realized with voicing onset before the burst), is a difficult sound because the buildup of supralaryngeal air pressure during stop closure...

Learning Greek as a second or foreign language has drawn the attention of many researchers throughout time. A dictionary is amongst the first things a foreign language student uses. Reading comprehension is significantly improved by the use of a dictionary, especially when this includes the way words are pronounced. We developed a assistance software for learning the Greek Language via Greeklis...

We present a locational model of banking with two types of private banks, honest and opportunistic, and a state bank that is assumed to be less efficient. Opportunistic banks choose whether to honor their contracts with depositors depending on the probability of contract enforcement. We derive three types of equilibria, which depend on institutional quality: a “low” equilibrium in which private...

This paper examines whether the supervisory objective of strengthening market discipline is compatible with the one of enhancing competitive equality for internationally active banks. This issue is empirically investigated by comparing the determinants of major US and European banks’ subordinated notes and debentures (SND) spreads. Three main results emerge. First, the spread/rating relationshi...

Banks are the financial institutions accepting deposits from the people and lending to the needy people, areas and regions for various purposes. Banking industry can be divided into two types of banks— Islamic and conventional banks. The operations of conventional banks are based on interest (sood/riba) and therefore interest constitutes the main source of earnings of these banks. While on the ...