Currently the finance industry is impacted by tremendous changes in its business processes. E-banking related developments such as online banking or brokerage services have reduced the importance of physical branches and changed the demands by customers on products and services. This paper analyses the differences in the finance sector in four countries based on empirical data collected via a s...

Nowadays, advances in information and communication technologies, has provided an opportunity for banks to provide their electronic services to their customers in remote areas. This technological innovation by E–banking systems has brought about many benefits to customers while it has been accompanied by a number of risks including the operational ones. This risks need to be identified and mana...

The aim of the paper is to show that e-commerce holds the potential to transform banking and financial systems. There are three aspects in which ecommerce can affect banking and finance. First, banks and financial firms can use the technology and business practice of e-commerce to market their products to the customers. Second, e-commerce provides a business opportunity for banks to offer new p...

The integration of ethnical minorities has been a hotly discussed topic in the political, societal, and economic debate. Persistent discrimination of ethnical minorities can hinder successful integration. Given that unequal access to investment and financing opportunities can cause social and economic disparities due to inferior economic prospects, we conducted a field experiment on ethnical di...

Using of new technology in economical field is one of the main goals of putting electronic government in the definition of society and community. These changes are put in cultural bases and we are not able to anticipate all probable results before encountering cultures with new technology mostly has been one of the theoretical survey and practical difficulties in governing of societies. The rat...

We examine the liquidity shocks to banks that can arise during a crisis due to concerns about safety by uninsured depositors. The analysis exploits exogenous changes in the deposit insurance threshold and a unique dataset with detailed information on balances and depositor characteristics for every bank account in Denmark. Our key result is that lowering the deposit insurance threshold during a...

We investigate the relationships among the Pad e table, continued fraction expansions and perfect reconstruction (PR) lter banks. We show how the Pad e table can be utilized to develop a new lattice structure for general two-channel bi-orthogonal perfect reconstruction (PR) lter banks. This is achieved through characterization of all two-channel bi-orthogonal PR lter banks. The parameterization...

the current study aims to identify the effective factors and barriers to loyalty in electronic banking services in the private banks customers. for this purpose, a survey was done with a questionnaire sampling from 420 customers of private banks in golestan province, who have used electronic banking services in 2011. the results indicated that seven factors including preference, customer satisf...

Private information about prospective borrowers produced by a bank can affect rival lenders due to a "winner’s curse" effect. Strategic interaction between banks with respect to the intensity of costly information production results in endogenous credit cycles, periodic "credit crunches." Empirical tests are constructed based on parameterizing public information about relative bank performance ...