Search Results - subject_exact:"Bankensystem"

Ongoing value co-creation amidst service encounter setbacks in the banking environment : a viewpoint and call to action

Van Tonder, Estelle - 2026

Persistent link: https://www.econbiz.de/10015592804

Digital transformation of the Albanian banking system : the result of the Albanian banking sector digitalization survey 2024

Molishti, Lindita; Topalli, Margerita - 2026

Persistent link: https://www.econbiz.de/10015608948

Influence of ESG on credit growth : moderating effects of Islamic bank and size in MENA

Alhamrani, Aysha; Awoad, Atif; Mohamed Al-Baity - 2026

This study examined how ESG has influenced credit growth across MENA countries/regions and investigated the extent to which bank size and Islamic banking influence this relationship. Using panel data from 42 listed banks across 10 MENA countries (367 bank-year observations from 2010-2023), the...

Persistent link: https://www.econbiz.de/10015591160

Artificial intelligence and risk-taking in banking

Drăgan, Tudor-Andrei; Jiang, Wenjing; Nistor, Simona; … - 2026

Persistent link: https://www.econbiz.de/10015609792

Financial technology as a tool to enhance financial consumer protection and reduce defaults on personal loans : to achieve financial inclusion and sustainable development in Jordan

AlBataineh, AbdelKarim - 2026

Financial technology (FT) has been credited for supporting sustainable development and financial inclusion. However, issues such as balancing innovation with consumer protection and the challenges of loan default have emerged as significant concerns in this context. The study aimed to test the...

Persistent link: https://www.econbiz.de/10015626644

Risk Propagation in the European Banking System : Amplification Effect from NBFIs and Market Risks

Valderrama, Laura - 2026

This paper applies network analysis to examine the impact of non-bank financial institutions (NBFIs) and financial market stress on contagion risk within the interbank network. Using network-based simulations on euro area banks’ supervisory data, we find that banks’ strong capital and...

Persistent link: https://www.econbiz.de/10015612591

Modernizing Palau's Financial System : Opportunities and Risks

Davico, Ricardo - 2026

Palau’s financial system faces structural challenges that inhibit effective financial intermediation, mobilization of domestic savings, and payment system efficiency. The authorities have been striving to address these challenges through digital initiatives. While these initiatives are...

Persistent link: https://www.econbiz.de/10015612613

Detecting cyber fraud in banking transactions via machine learning techniques : implications for financial stability

Konsta, Lamprini; Dimitriou, Dimitrios; Papathanasiou, … - 2026

This study empirically investigates the performance of Elastic Machine Learning, an industrial, unsupervised anomaly detection tool, in the identification of fraudulent behavior in banking transactions. Using AI-generated datasets that were designed to simulate realistic banking environments,...

Persistent link: https://www.econbiz.de/10015628409

The impact of climate change on banking system stability in Southern Africa Development Communities (SADC)

Takawira, Oliver; Amo-Bediako, Emmanuel; Sekwati, Dimakatso - 2026

In today's world, climate change has become a global predicament. The implications for financial sector activities have given rise to ample literature on the climate change and banking system stability nexus in developing economies. However, there still remain important knowledge gaps pertaining...

Persistent link: https://www.econbiz.de/10015639094

Fintech Competition and Banks’ Shrinking Margins in Brazil

Xu, Rui - 2026

The rise of fintech lenders has intensified competition in the banking industry. This study utilizes Brazilian bank-level data to examine the causal impact of increased competition on commercial banks’ lending rates and profitability. Employing a bank-specific Bartik exposure, constructed from...

Persistent link: https://www.econbiz.de/10015612696

Critical regimes of systemic risk : flow network cascades in the U.S. banking system

Montañez Jacquez, Samuel; Quezada Téllez, Luis Alberto; … - 2026

Systemic risk in banking systems arises from losses transmitted through networks of contractual exposures. Yet, most widely used measures rely on market-implied volatility and equity prices rather than structural balance sheet fragilities. This paper develops a flow network framework that models...

Persistent link: https://www.econbiz.de/10015639141

Open banking and financial inclusion in South Africa

Nanziri, Lwanga Elizabeth; Gbahabo, Paul Terna; … - 2026

Persistent link: https://www.econbiz.de/10015615246

Kansantalouden ja yritysten kasvuharppaus : innovoinnissa ja rahoituksessa aihetta rationaaliseen optimismiin

Maliranta, Mika; Rouvinen, Petri - 2026

Persistent link: https://www.econbiz.de/10015620303

The impact of traditional and digital financial inclusion on bank profitability : evidence from Ethiopian commercial banks

Arebo, Mohammed Jatoro; Mekonnen, Andualem Goshu - 2026

While prior research emphasizes the socio-economic benefits of financial inclusion, its implications for bank profitability remain underexplored. This paper employs seven traditional and four digital in- dicators to create a financial inclusion index through principal component analysis (PCA)....

Persistent link: https://www.econbiz.de/10015639184

Banking efficiency under systemic uncertainty : a bibliometric lens on sustainability

Manta, Alina Georgiana; Ghertescu, Claudia; Bădîrcea, … - 2026

This study delves into how the literature conceptualizes banking efficiency as a capability shaping sustainability-oriented pathways under conditions of systemic uncertainty, including recurrent economic-financial disruptions and geopolitical shocks. Using records indexed in the Web of Science...

Persistent link: https://www.econbiz.de/10015644287

Precios de viviendas en Chile: herramientas para evaluar desalineamientos y sus efectos sobre la banca

Díaz V., Sergio; Salas G., Mauricio; Vásquez L., Francisco - 2026

Persistent link: https://www.econbiz.de/10015625260

Central bank digital currencies : digital Euro and its implications for uncovered and covered deposits

Calosci, Mattia; Crisafulli, Antonino; Giantomassi, Mattia - 2026

The introduction of central bank digital currencies ("CBDCs")-notably the digital euro-stands to reshape the financial system's structure. This study initially conducts a comparative analysis of household deposit outflow across the Eurozone, the United Kingdom, Canada, and China, before focusing...

Persistent link: https://www.econbiz.de/10015652077

Feminist thought and financial systems

Jacobsen, Joyce P. - 2026

Persistent link: https://www.econbiz.de/10015641896

Understanding systemic risks in the Canadian financial system

Bruneau, Gabriel; Clazie-Thomson, Sascha; Duprey, Thibaut; … - 2026 - Last updated: June 11, 2026

This paper reviews recent efforts to monitor and assess systemic risk in the Canadian financial system and outlines a framework for future system-wide stress testing. We examine how perceived and actual interconnections-across banks and non-bank financial institutions, domestic and foreign...

Persistent link: https://www.econbiz.de/10015661657

Do credit and liquidity risks interact to shape bank stability? : evidence from an emerging banking system

Atari, Sana'; Bin Saddig, Ruaa; Awwad, Bahaa Sobhi Abde … - 2026

This paper examines whether the interaction between credit risk and liquidity conditions helps explain bank stability in a fragile and institutionally constrained banking environment. Using an annual panel of 13 Palestinian banks over 2011-2024 and measuring stability by the (log) Z-score, we...

Persistent link: https://www.econbiz.de/10015652373

The impact of potential retail central bank digital currency on the Canadian financial system during a severe recession

Priazhkina, Sofia - 2026 - Last updated: June 15, 2026

This policy note examines how a non-interest-bearing retail central bank digital currency (CBDC) could affect the financial stability of Canada's systemically important banks during a severe recession. Stress test results show that the banks remain resilient, maintaining key regulatory ratios...

Persistent link: https://www.econbiz.de/10015661660

Fintech innovations and the transformation of rural financial ecosystems in india

Farukh, Mohd Umar; Taqi, Mohammad; Vemavarapu, Koteswara Rao - 2026

Background: Fintech companies have revolutionized the financial services industry in India in recent years. This is especially true for the growth of digital payment methods. India's unbanked are being introduced to banking by fintech companies. Despite the country's strong banking system, many...

Persistent link: https://www.econbiz.de/10015633510

Cooperative credit banks and economic fluctuations : the Italian case

Caporale, Guglielmo Maria; Alessi, Matteo - 2026

Persistent link: https://www.econbiz.de/10015637265

Show one more version 1

Cooperative credit banks and economic fluctuations : the Italian case

Caporale, Guglielmo Maria; Alessi, Matteo - 2024

Book / Working Paper

Does social identity constrain rural entrepreneurship? : evidence on the role of financial inclusion

Garg, Sandhya; Gupta, Samarth; Mallick, Sushanta Kumar - 2026

Persistent link: https://www.econbiz.de/10015560807

Trade in services under regulatory barriers : evidence from UK banking

Bhalotia, Shania; Piton, Sophie; Woods, John - 2026

Barriers to trade in services remain poorly understood. This paper investigates how regulatory barriers affect cross-border lending and deposit-taking by banks. Using confidential bank-level data from the Bank of England, we find that UK-resident banks substantially reduced lending to and...

Persistent link: https://www.econbiz.de/10015644436

Effect of financial regulation on financial inclusion in the SADC region

Genukile, Lwazi; Jeke, Leward - 2026

Financial regulation has the potential and power to instil trust and stability in the financial system, but its impact on financial inclusion is still debatable. Hence, the objective of this study is to examine the effects of financial regulation on financial inclusion in fourteen SADC...

Persistent link: https://www.econbiz.de/10015676644

The impact of digital risk management on innovative Islamic banking services : the mediating role of digital capabilities and the moderating role of digital culture

Almajali, Ahmad; Al-Kharabsheh, Abdulrahman; Ibrahim … - 2026

Purpose: This research intends to explore the relationships between digital risk management practices and the successful implementation of innovative banking services with the mediating effect of digital capabilities and the moderating effect of digital culture. Methodology Approach: In this...

Persistent link: https://www.econbiz.de/10016059306

Financing the transition to greenhouse gas neutrality : is the German banking system prepared?

Baccianti, Claudio; Baltzer, Markus; Boesel, Nils; … - 2026

Achieving Germany's goal of greenhouse gas neutrality by 2045 requires a shift to non-fossil energy sources and low-carbon production and consumption patterns. This transformation necessitates substantial investments. According to existing evidence, estimates of additional investment needs -...

Persistent link: https://www.econbiz.de/10015666563

Merging-splitting-proofness in financial systems : a characterization result

Calleja, Pedro; Llerena Garrés, Francesc - 2026

Persistent link: https://www.econbiz.de/10016061257

Macro-Financial and Sectoral Insights : Climate Transition Risk Stress Testing of the Armenian Banking Sector

2026

The Climate Transition Risk Stress Testing (CTRST) examines transition risk only, tracing how 3 NDC-aligned scenarios (including tail risk pathway) describing a move to a low-carbon economy could affect Armenian banking sector via credit risk. It models three climate transition pathways aiming...

Persistent link: https://www.econbiz.de/10015673117

Systemic cyber risk

Baker, Steven D.; Lee, Michael Junho - 2026

We propose a quantitative framework to track systemic risk arising from cyber vulnerabilities of the U.S. financial system. Synthesizing financial, economic, cyber, and network data that covers thousands of financial institutions and technological firms, we develop an index that tracks...

Persistent link: https://www.econbiz.de/10015614725

Agentic Artificial Intelligence in financial and banking operations : a comprehensive review

Al-Hchemi, Laith Haleem - 2026

The purpose of the study was to review of academic and industry literature, with the goal of clarifying the concept of agentic Artificial Intelligence, explaining its architectural workings, and exploring its applications in the financial and banking sectors. The rising use of Artificial...

Persistent link: https://www.econbiz.de/10016062073

The safe-tail paradox: stress testing AI exposure of banks' borrowers

Hurlin, Christophe; Pérignon, Christophe - 2026

Persistent link: https://www.econbiz.de/10016060514

Artificial intelligence and customer satisfaction in the Nigerian banking sector

Olota, Oluwayomi Omotayo; Akinkunmi, Olatunde Nathaniel; … - 2025

The integration of artificial intelligence (AI) into the banking sector has transformed customer satisfaction, particularly through innovations such as digital payment services and smart banking solutions. Hence, this study aimed to examine the effect of artificial intelligence on customer...

Persistent link: https://www.econbiz.de/10015616711

Adoption of green banking innovations : drivers and outcomes

Alsmadi, Ayman Abdalmajeed; Al Omoush, Khaled Saleh - 2025

Persistent link: https://www.econbiz.de/10015618361

Russia's banking sector in wartime

Solanko, Laura - 2026

Russia's isolation from global financial markets and government programmes to support bank lending initially fuelled a wartime lending boom in Russia. With economic growth now stalled and borrowing costs rising, lending growth has slowed. This shift, in conjunction with increased public sector...

Persistent link: https://www.econbiz.de/10015632799

Operationalization of the construct "business model of a bank" : clustering analyses with deep neural networks

Herdt, Manfred; Schulte-Mattler, Hermann - 2025

Persistent link: https://www.econbiz.de/10015486007

Framework for financial stability data enhancement

Heath, Robert - 2025

Persistent link: https://www.econbiz.de/10015617616

Factors and patterns in mobile banking and payment services use in the United States

Sinha, Gaurav R.; Mehta, Raj Chirag; Kaittila, Anniina; … - 2025

Persistent link: https://www.econbiz.de/10015486142

Financial inclusion in Zimbabwe : lessons from the commercial banking sector

Kawara, Auxilia; Muchara, Binganidzo; Van der Poll, … - 2025

Financial institutions, researchers, and policymakers are taking steps to promote financial inclusion, a crucial aspect for social and economic development. This study explores the extent of financial inclusion (FI) in Zimbabwe's commercial banks. This study employed a mixed-methods approach. A...

Persistent link: https://www.econbiz.de/10015584362

Systemic risk and complex networks in modern financial systems

Pacelli, Vincenzo - 2025

Persistent link: https://www.econbiz.de/10015101807

Systemic risks and multilayer financial networks : from contagion to mitigation

Quirici, Maria Cristina; Moro Visconti, Roberto - 2025

Persistent link: https://www.econbiz.de/10015101819

Systemic cyber risk in the financial sector : can network analysis assist in identifying vulnerabilities and improving resilience?

Panetta, Ida Claudia; Leo, Sabrina - 2025

Persistent link: https://www.econbiz.de/10015101835

Monetization and relational structures : the diffusion of checks in Buenos Aires during the emergence of the banking system

Wasserman, Martín - 2025

Persistent link: https://www.econbiz.de/10015138007

Islamic fintech adoption readiness in Pakistan

Hamilton, John Robert; Hakro, Dil Nawaz - 2025

iFintech is termed as an Islamic alternative banking and financial services approach to that of existing, Fintech digital, Western democracies banking and financial systems. This Pakistan Islamic digital banking and financial services technologies (iFintech) study engages a qualitative NVivo...

Persistent link: https://www.econbiz.de/10015548952

Frontiers of digital finance

2025

Persistent link: https://www.econbiz.de/10015549075

Strategic cooperation in fintech field and efficiency of commercial banks

Ao, Zhiming; Ji, Xinru - 2025

Persistent link: https://www.econbiz.de/10015372675

The future of banking : what are the actual barriers to bank digitalization?

Ulrich-Diener, Florian; Dvouletý, Ondřej; Špaček, … - 2025

The banking sector must confront challenges arising from globalization, the demand for new business models (BMs), increasing regulation, and ever-advancing digitalization. In this context, innovative competitors, namely FinTechs, are challenging banks and forcing them to rethink existing...

Persistent link: https://www.econbiz.de/10015375410

On modelling non-performing loans in bank efficiency analysis

Karagiannēs, Giannēs; Kourtzidis, Stavros - 2025

Persistent link: https://www.econbiz.de/10015375504

How does banking concentration affect financial inclusion in the Southern African region?

Simatele, Munacinga; Bolarinwa, Segun Thompson - 2025

Financial inclusion is an important enabler of economic development and aligns with several United Nations Sustainable Development Goals. In most sub-Saharan African countries, financial inclusion efforts take place in the presence of concentrated and bank-dominated systems. This study...

Persistent link: https://www.econbiz.de/10015210367