Search Results - subject_exact:"Bankgeschäft"

Artificial intelligence and risk-taking in banking

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609792

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://ebvufind01.dmz1.zbw.eu/10015612696

Open banking and financial inclusion in South Africa

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615246

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://ebvufind01.dmz1.zbw.eu/10015592804

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://ebvufind01.dmz1.zbw.eu/10015591160

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://ebvufind01.dmz1.zbw.eu/10015626644

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://ebvufind01.dmz1.zbw.eu/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://ebvufind01.dmz1.zbw.eu/10015644287

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://ebvufind01.dmz1.zbw.eu/10015633510

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

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/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://ebvufind01.dmz1.zbw.eu/10015644436

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Trade in services under regulatory barriers : evidence from UK banking

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

Book / Working Paper

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://ebvufind01.dmz1.zbw.eu/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://ebvufind01.dmz1.zbw.eu/10016059306

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

Hurlin, Christophe; Pérignon, Christophe - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060514

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://ebvufind01.dmz1.zbw.eu/10016062073

Determinants of Greek banking customers’ intention to use AI-based green fintech solutions

Gatzioufa, Paraskevi; Saprikis, Vaggelis; Avlogiaris, … - 2026

As Artificial Intelligence (AI) becomes increasingly integrated into financial services, its alignment with sustainability goals has given rise to a new domain: Green FinTech. This study investigates the Behavioural Intention (BI) of Greek banking customers to adopt AI chatbots in the context of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064250

Financial technology and strategic AI integration in FinTech : transforming banking, payments, and building a sustainable economy-challenges and opportunities

Manta, Otilia; Vasile, Valentina; Hamori, Shigeyuki - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064253

Bank access and cultural entropy across the regions of India

Suresh, Govindapuram - 2026

Holding a bank account represents access to an important bank service for achieving the formal financial inclusion of an individual. Unfortunately, at present, people living in different regions of India seem to experience a different level of access to this basic bank service and are therefore...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016071026

Geopolitical risk and cross-border bank lending

Reinhardt, Dennis; Reynolds, Julian; Sowerbutts, Rhiannon - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064208

FinTech adoption in banks and their liquidity creation

Wu, Zhuochen; Pathan, Shams; Zheng, Chen - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064326

Common deposit insurance, cross-border banks and welfare

Lóránth, Gyöngyi; Segura, Anatoli; Zeng, Jing - 2026

We study the effects of aligning the incentives of national authorities through the common provision of deposit insurance in a model of cross-border banks with both endogenous risk-taking and within-group risk-sharing. Under national deposit insurance, local authorities inefficiently ring-fence...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064382

Financial inclusion and electricity uptake

Lang, Megan; Ly, Alpha - 2026

Even as governments push to build infrastructure to achieve universal access to electricity, demand-side barriers constrain uptake where infrastructure already exists. This paper assesses the impact of the quasi-experimental introduction of mobile money on electricity adoption by households. We...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016083757

Beyond generic phishing detection : explainable AI for finance-adapted models in banking and fintech

Bhuiyan, Istiaque; Bhuiyan, Tanvir - 2026

Purpose: This study examines whether finance-adapted (FA) phishing detection models improve the detection of finance-themed (FT) attacks, whether improvements differ across email and webpage modalities, and whether finance adaptation creates a specialisation-generalisation trade-off....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064399

How do ESG and innovation strategies affect bank performance and risk stability? : panel evidence from Taiwan's banking industry

Liu, Ting-Kun - 2026

Sustainable finance, digital financial innovation, and green innovation have become central strategic pressures in banking, yet their joint effects on bank performance and risk remain insufficiently understood. This study develops an integrated ESG-innovation framework and examines quarterly...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064035

Accessibility of banking websites in Central and Eastern European countries in relation to cost management

Musiał, Marta; Rachuba, Joanna - 2026

This study evaluates the accessibility of websites for publicly listed commercial banks in Central and Eastern European (CEE) countries, with a specific focus on the relationship between website accessibility and bank cost management indicators.We analyzed the websites of 26 publicly listed...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016081492

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://ebvufind01.dmz1.zbw.eu/10015616711

Adoption of green banking innovations : drivers and outcomes

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618361

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

Herdt, Manfred; Schulte-Mattler, Hermann - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015486007

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://ebvufind01.dmz1.zbw.eu/10015584362

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://ebvufind01.dmz1.zbw.eu/10015548952

Strategic cooperation in fintech field and efficiency of commercial banks

Ao, Zhiming; Ji, Xinru - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/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://ebvufind01.dmz1.zbw.eu/10015375410

On modelling non-performing loans in bank efficiency analysis

Karagiannēs, Giannēs; Kourtzidis, Stavros - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/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://ebvufind01.dmz1.zbw.eu/10015210367

Disappearing bank Branches : evidence from China household finance survey

Wang, Qi; Liu, Ming; Xie, Kai - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015330616

Caudillo banking : political instability and banking fragility in Mexico, 1925-1929

Dávalos, Jorge; Flores Zendejas, Juan; Nodari, Gianandrea - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015337355

The nexus between bank efficiency and leverage

Baltas, Konstantinos N. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338015

Financial inclusion in Egypt : the road ahead

Hassouba, Taghreed Abdelaziz - 2025

Purpose - The literature review stated that financial inclusion (FI) influences economic growth through different channels. Hence, this paper aims to investigate the underlying process of FI in Egypt theoretically, and to derive some policy implications for promoting the process and achieving...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015339210

What drives green banking operations in Bangladesh? : findings from PLS-SEM and BSEM

Rahman, Md. Shahinur; Moral, Iqbal Hossain; Akther, Samia; … - 2025

Purpose - Environmental threats are becoming severe in developing and undeveloped countries. It urges to know how green banking operations can foster sustainable development in these regions. This study aims to provide empirical evidence of the determinants of green banking operations in...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015339301

Banking in the negative : a vector error correction analysis of bank-specific lending and deposit rates

Agati, Alessandra; Sigmund, Michael - 2025

We analyze the impact of negative reference rates on the interest rate behavior of more than 500 Austrian banks from 2009Q1 to 2021Q4. Using panel vector error correction analysis with the Engle-Granger procedure in two steps, we establish a cointegration vector that links bank-specific lending...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015339711

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Banking in the negative : a vector error correction analysis of bank-specific lending and deposit rates

Agati, Alessandra; Sigmund, Michael - 2025

Book / Working Paper

Unlocking financial inclusion : Indian banks' efficiency in Pradhan Mantri Jan-Dhan Yojana explored through DEA

Singh, Ajay Pal; Deep, Gagan - 2025

Purpose - Financial inclusion is a prerequisite for inclusive development. In 2014, the Indian Government introduced the Pradhan Mantri Jan-Dhan Yojana (PMJDY) with a similar objective. The study aims to analyse the effectiveness of banks in the implementation of financial inclusion policy, i.e....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015357607

Modern banking reforms and financial activities of indigenous merchants : a case from Japan in the late 19th century

Fukumoto, Makoto; Shizume, Mastato - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015196368

Leveraging fintech mobile money to expand banks' financial services in developing countries

Aracil, E.; Jung, J.; Melguizo, A. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015198746

From demand to impact : can sustainable banking services advance UN Sustainable Development Goals?

Taneja, Shilpa; Siraj, Ahsan; Mathiyazhagan, Maathai K.; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358137

Stabilizing the national banking system through digital financial inclusion, creative innovations, and green finance in low-financially developed economies

Giang Thi Huong Vuong; Barky, Walid; Manh Huu Nguyen - 2025

This paper investigates the effect of digital financial inclusion, creative innovations, and green finance on the stability of the national banking system in twenty-nine low-financially developed economies spanning the period 2011-2021. We demonstrate that digital financial inclusion promotion...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358505

An interplay between digital banking services, perceived risks, customers' expectations, and customers' satisfaction

Rakocevic, Sladjana Barjaktarovic; Rakic, Nela; … - 2025

Advancements in technology and emerging digital trends are driving the expectations of bank clients. With the development of new, innovative technologies, the banking sector has started creating new products and services and looking for new channels through which to offer those services in a way...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358973

Fast payments and financial inclusion in Latin America and the Caribbean

Aurazo, José; Franco, Cecilia; Frost, Jon; McIntosh, Jamere - 2025

Most countries in Latin America and the Caribbean are implementing fast payment systems (FPS), often with the goal of enhancing access to and use of affordable financial services. FPS offer immediate transfer of funds on a 24x7 basis between end users. This paper assesses how FPS can promote...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015327794

Inspecting the impact of financial inclusion on emissions in India : the banking channel

Ray, Saon; Thakur, Vasundhara - 2025

The urgent need to address climate change has placed environmental degradation and sustainable development at the centre of policy discussions. This highlights the importance of examining how the financial system directs funds toward green investments or emission-intensive industries. Expanding...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015329696

Back to bank : digital currency, deposits’ substitution and credit

Apaa Okello, Jimmy; Musoke, Samuel Namwanya; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015417865

Crisis-proofing heterogeneous banks

Lucchetta, Marcella - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015464307