This study is about the revolution of information and communication technology (ICT). It deals with the evolution of banking technology (BT), electronic banking (e-banking) and mobile banking (m-banking) in Sudan. It intends to explore the practice of m-banking in Sudan. The focus is on the availability of adequate infrastructure and on the challenges and risks that face m-banking services in S...

We review how technological advances and changes in regulation may shape the (future) geographical scope of banking. We first review how both physical distance and the presence of borders currently affect bank lending conditions (loan pricing and credit availability) and market presence (branching and servicing). Next we discuss how technology and regulation have altered this impact and analyse...

The aim of this paper is to present a framework to bank valuation based on two generally acceptable valuation models that are not specific to banks: the model of discounted Equity Cash Flow to Equity (ECF) and the model of discounted Residual Income (RI). As emphasized by Koller, Goedhart and Wessels (pp. 663, 2005) [1] in a bestselling book on the valuation of firms, the valuation process of a...

Assessment of creep damage and residual creep life of a cast HP 40 Nb Mod. Reformer tube was performed, wherein the experimental Larson–Miller diagram and area fraction of creep voids were adopted. The state of damage of the tube in service was metallographically analyzed by using light and electron microscopy. Samples from the serviced reformer furnace tube were cut and prepared for void exami...

The effect of particle size on shear strength of granular materials are investigated using direct shear tests. Small direct shear test (60 mm by 60 mm by 24 mm deep) were conducted for particles passing the sieves with opening size of 2.36 mm. Meanwhile, particles passing the standard 20 mm sieves were tested using large direct shear test (300 mm by 300 mm by 200 mm deep). The large direct shea...

Precipitating anti-PM-Scl antibodies are present in sera from patients with polymyositis, scleroderma, and polymyositis/scleroderma overlap syndromes. By indirect immunofluorescence microscopy, anti-PM-Scl antibodies stained the nucleolus in cells of different tissues and species, suggesting that the antigen is highly conserved. By electron microscopy, anti-PM-Scl antibodies reacted primarily w...

To gain a better understanding of the surfaces of planets and small bodies in the solar system, the flow behavior of granular material for various gravity levels is of utmost interest. We performed a set of reduced-gravity measurements to analyze the flow behavior of granular matter with a quasi-2D hourglass under coarse-vacuum conditions and with a tilting avalanche box. We used the Bremen dro...

The banking industry in Oman is of major importance to Oman’s economy, yet Omani banks continue to conduct most of their transactions using traditional methods. A strong banking industry significantly supports economic development through efficient financial services, and their role in trying to achieve the objectives outlined by the Sultan of Oman will depend heavily on the industry’s capabili...

A two-dimensional random vector in the domain of attraction of an extreme value distribution G is said to be asymtptotically independent (i.e. in the tail) if G is the product of its marginal distribution functions. Ledford and Tawn (1996) have discussed a form of residual dependence in this case. In this paper, we give a characterization of this phenomenon (see also Ramos and Ledford (2009)) a...

The banking industry is a strong leader in the use of Internet technologies for revolutionizing customer services. This study explores demographic and financial factors that may affect the use of Internet-Banking (IB) services provided by a large bank. The study analyzed certain IB activities for a large sample of the bank's customers. The analysis highlights some usage characteristics and patt...