The banking sector is a competitive environment, where business process re-engineering is constantly needed. Business process modelling and automation are effective tools towards this direction, improving the performance of business activities and enabling enterprise-wide monitoring and coordination. In this paper, we present a case study of modelling and automating business processes in the Lo...

One of the key success factors of the financial institution sustainability is operational efficiencies. Using Data Envelopment Analysis (DEA), this paper measures the relative efficiency of the executing banking units of  people business credit (KUR) program in Indonesia. Sample data of this study were obtained from all banking units from banks providing KUR located in the district of Pati, Cen...

JULY/AUGUST 2003 129 P hil Strahan and various coauthors have written a series of significant papers on the impact of interstate banking and intrastate branching deregulation. His present paper summarizes and extends much of that research.1 I suspect that most economists would agree that draconian restrictions on branch banking or on the ability of bank holding companies to cross state lines ma...

electronic banking has many benefits for government, banks’ stakeholders and customers. many banks in many countries such as iran increasingly develop their infrastructures to provide e-banking services. also, there are many researches that have been conducted to explain how we can encourage people to use e-banking services. in this paper, we explore the effects of various factors on both custo...

Business environment in which banks in our country perform their activity is rather dynamic. Financial sector has, as in the most transitional countries, firstly started with the process of radical changes and continuous access to European business standards. In that sense, constant changes of legal regulations and bylaws that regulate this field set before the banks increasingly higher and mor...

We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters’ incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particular...

An empirical study that explored business and information strategy alignment in the informationintensive and competitive Australian banking industry is featured in this paper. The aim of the study was to identify organizational practices that contribute to and enhance such alignment. Multiple sources of information were used to collect data about business and information strategies from the maj...

In the context of this paper digital banking refers to online, mobile, and Automated Teller Machine (ATM) banking. Digital banking, particularly online and mobile banking, is growing rapidly in South Africa. This is happening despite heightened security concerns, created in part by the media. The 2008 World Wide Worx and Wits Business School Digital Banking Research found that the level of soph...

Business process reengineering has made revolutionary changes in the personal banking sector. It is the Technological Innovations that improved the service quality, responsiveness and business efficiency. This study focuses on different user profiles (Earning/Non Earning), their perception of risk and confidence in technological innovations in personal banking sector. Required data were collect...