Search Results - subject_exact:"Personal banking"

Can macroprudential policy for retail banks reduce bank runs? : evidence from WAEMU's banking sector

Aboulaye, Toure Talnan; Moussa, Ouattara Zieh; Kacou, … - 2026

Motivated by the coexistence of retail and wholesale banks with distinct risk profiles under uniform capital regulation, and by the lack of quantitative evidence on whether differentiated capital requirements can reduce bank runs and interbank frictions in low-income monetary unions, this paper...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611530

Is trust about more than just money? : insight into South African banking customers

Petzer, Daniel J.; Roberts-Lombard, Mornay - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015614066

Banking competition and access to cash and retail banking services in rural Canada

Xiao, Hong Yu; Petrunia, Robert; Lucky, Sarah - 2026 - Last updated: June 11, 2026

We study the accessibility and competitive structure of Canadian retail banking and cash services in rural, localized markets using the Bresnahan-Reiss entry threshold framework. We estimate population thresholds required to support a given number of establishments in two segments of the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015655740

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

The contribution of robo-advisors as a key factor in commercial banks' performance after the global financial crisis

Zogning, Félix; Turcotte, Pascal - 2025

In several countries, digital financial advisory services, particularly those supported by robo-advisors, are becoming increasingly popular in retail banking. These tools assist users with financial decisions such as risk assessment, portfolio selection, and rebalancing-all at a reduced cost....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015332187

The digital retail payment market is changing

Kjemtrup, Frederik Ræbild - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015357152

Assessing disruptive potential of retail central bank digital currency and influence of design considerations : an open innovation approach in Thailand

Thanwa Wathahong; Roongkiat Ratanabanchuen; Praima … - 2025

Monetary authorities globally have studied central bank digital currency (CBDC) for wholesale and retail applications since the 1990s. Besides countering private cryptocurrencies' influence, central banks have also explored other benefits of CBDC, such as improving their financial oversight,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358704

Namibia : Retail Central Bank Digital Currency Exploration and Roadmap

Kunaratskul, Tansaya - 2025

At the request of the Bank of Namibia (BoN), an IMF mission team conducted a technical assistance (TA) from January 15 to February 1, 2024. The mission assisted the authorities in establishing the groundwork for a feasibility study of a retail central bank digital currency (rCBDC) and drafting a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015328035

Public use and distribution of retail CBDC : an evidence from Thailand's retail CBDC pilot program

Nuntapun Bhensook; Thanaporn Rattanakul; Witit Synsatayakul - 2025

This paper analyzes the public use of Retail Central Bank Digital Currency (rCBDC) during a pilot program in Thailand. For the first time, it utilizes detailed transactional data, including demographic information of users from a real-world rCBDC pilot. The study empirically examines the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015432046

On the factors influencing banking satisfaction and loyalty : evidence from Denmark

Yang, Yingkui; Jensen, Jan Møller; Jørgensen, René … - 2025

This article proposes and tests a conceptual model examining the antecedents of customer satisfaction and loyalty in the Danish banking sector. Given the changing landscape, the importance of personnel contact, the bank's website, and the bank's ethics and reputation are of particular interest....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015434469

Modeling factors influencing blockchain adoption in retail banking : a DEMATEL-based approach

Papagiannis, Michail D.; Chountalas, Panos T.; … - 2025

In the rapidly evolving digital landscape, integrating blockchain technology into retail banking has emerged as a pivotal strategy for operational efficiency and competitive differentiation. This study employs the Decision Making Trial and Evaluation Laboratory (DEMATEL) methodology to explore...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015436977

The opinions of cooperative bank customers on the reasons for financial exclusion and difficulties in accessing financial services and products : research report

Szewczyk-Jarocka, Mariola - 2025

Research background: Financial exclusion is a very important phenomenon due to its socio-economic nature. It is linked to social exclusion and means limited access to financial services and products provided, among others, by cooperative banks. In the paper, the author presents the reasons for...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015492708

Greening the retail banking industry : evidence from German bank account consumers

Klein, Sophie Maria Anneke; Polzin, Friedemann - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015610636

Strengthening the satisfaction-loyalty link : a study of mediating factors in the retail banking industry of South Africa

Roberts-Lombard, Mornay; Pieterse, Vernon Albert; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611715

Financial Integrity Implications of Retail Central Bank Digital Currencies (rCBDCs)

Kao, Kathleen - 2025

How should the international anti-money laundering and combating the financing of terrorism (AML/CFT) standards be applied in a retail CBDC (rCBDC) setting? This chapter identifies the main categories and characteristics of rCBDCs that may have financial integrity implications and analyzes the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612881

The moderating role of FinTech in the relationship between customer satisfaction and retention in the banking sector

Ajouz, Mousa; Shehadeh, Maha; Issa, Sara; Nawawra, Haya - 2025

This study investigates the influence of banking service quality and customer trust on customer retention behavior, considering the mediating role of customer satisfaction and the moderating role of FinTech. In light of the growing digitalization in the banking sector, the study aims to...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015590748

Exploring the mediating effect of customer satisfaction on the relationships between service quality, efficiency, and reliability and customer retention, loyalty in E-banking performance in emerging markets

Gazi, Md. Abu Issa; Al Masud, Abdullah; Sobhani, Farid … - 2025

This study aims to explore how customer satisfaction (CS) serves as a mediator in the connections between service quality (SQ), efficiency and reliability (EAR), customer retention (CR) and customer loyalty (CL) within the E-Banking industry in Bangladesh. The empirical experiment employed a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015607049

Digital-only banks : retail banks for retail customers only?

Schmidt-Jessa, Katarzyna; Stradomski, Maciej - 2025

This paper explores how traditional banks perceive digital-only banks and the potential impact of digital-only banks on the retail segment of the banking sector. To obtain the main goal, we conducted in-depth semi-structured interviews with managers and directors representing different...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015414188

Assessing the impact of regulatory reforms on the market value of retail banks in the United Kingdom (UK), an event study methodology

Amuah, Donald; Amadi, Chibuzo; Ode-Ichakpa, Inalegwu; … - 2025

This study examines the impact of two significant regulatory reforms, the Banking Reform Act (2013) and the Financial Services and Markets Act (2023), on the market value of the four largest retail banks in the UK. The research employs an event study methodology, a well-established approach in...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016084925

Determinants of customer recovery in retail banking : lessons from a German banking case study

Hübner, Felix; Herberger, Tim; Charifzadeh, Michel - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015061253

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Determinants of Customer Recovery in Retail Banking - Lessons from a German Banking Case-Study

Hübner, Felix; Herberger, Tim; Charifzadeh, Michel - 2023

Book / Working Paper

An explanatory study of predictive factors of customer retention with Cypriot retail banks

Georgiou, Maria; Daskou, Sofia; Siakalli, Michailina; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015063251

The transmission of monetary policy in Malta : a focus on retail bank interest rates

Debono, Nathaniel - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014636909

The quality of business environment and internal factors affect the competitiveness of retail banking service in VietinBank

Phuong Thi Nguyen; Nguyen Thi Phuong Loan; Trang Thi … - 2024

Retail banking has always been considered as a core activity of banks because it has the effect of accelerating the cash flow process and creating a mainstream medium and long-term capital source for the bank. Vietnamese commercial banks now are facing great risks. This reality requires banks to...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014530220

A framework to improve churn prediction performance in retail banking

Brito, João B. G.; Bucco, Guilherme B.; Heldt, Rodrigo; … - 2024

Managing customer retention is critical to a company's proftability and frm value. However, predicting customer churn is challenging. The extant research on the topic mainly focuses on the type of model developed to predict churn, devoting little or no efort to data preparation methods. These...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014532015

Safeguarding the financial system's spare tyre : regulating non-bank retail lenders in the digital era

Ehrentraud, Johannes; Mure, Ségolène; Noble, Elisabeth; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014490505

Formal ethics, content ethics and relational ethics : three approaches to constructing ethical sales cultures and identities in retail banking

Svane, Marita Susanna; Frandsen, Sanne - 2024

Following the global financial crisis, banks have become more regulated to advance ethical sales cultures throughout the sector. Based on case studies of three retail banks, we find that they construct the "appropriate advisor" in different ways. Inspired by Bakhtin's work on ethics, we propose...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014492338

Digital innovation drivers in retail banking : the role of leadership, culture, and technostress inhibitors

Al Issa, Hussein-Elhakim; Omar, Mohammed Mispah Said - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015205222

Predicting South African consumers' intention to continue using their preferred retail bank’s services : a model validation

Van Deventer, Marko; Sharp, Kirsty-Lee; Żelazny, Rafał; … - 2024

Objective: The objective of the article is to validate a model of the factors, namely ethical responsibility, social responsibility, bank trust, attitude, and brand loyalty, that influence the behavioural intentions of consumers to continue using banking services. Research Design & Methods: This...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015373923

Bank income smoothing behaviours under expansionary and recessionary economic environments : new evidence using micro-data sample

Aggelopoulos, Eleftherios; Papageorgiou, Theofanis; … - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015337789

Investigating the effect of ESG on retail banks' customer equity

Chow, Matthew Yau Choi; Ho, Shirie Pui Shan - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015192532

The impact of service innovation on customer satisfaction and customer loyalty : a case in Vietnamese retail banks

Nguyen Minh Ha; Trinh Kieu Thi Ho; Trung Thanh Ngo - 2024

Customer loyalty continues to be a crucial factor for retail banks in maintaining market share, increasing revenue and profits, and reducing costs in the highly competitive business landscape of today. They consistently strive for innovation to maintain a competitive edge, introducing novel...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015411010

Factors affecting customer retention in banking sector : the case of Kosovo

Baca, Granit; Pula, Leke - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015435520

Gender and bankarization in Spain, 1949-1970

Martínez Rodríguez, Susana; Bátiz-Lazo, Bernardo - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014580202

The Dynamics of Retail Deposit Balances

Argyle, Bronson; Iverson, Benjamin; Kotter, Jason D.; … - 2026

We investigate the dynamics of household deposits using account-level data from 12 million accounts across 154 U.S. credit unions. Significant skewness in the retail deposit distribution-with 10% of depositors controlling 70% of total deposits-means large-balance accounts drive aggregate retail...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015593817

Model validation of a generative-artificial-intelligence-based avatar for customer support in banking

Gerhard, Jochen; Gombert, Martin; Henrich, Björn; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015668382

Validation of three-path mediation modelling of service quality and behavioural intention relationship in retail banking

Yadav, Manish Kumar; Pareek, Vandana; Rai, Alok Kumar - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015677898

Taler as a synthetic central bank digital currency

Grothoff, Christian; Gütschow, Mikolai; Seehausen, Valentin - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060844

Retail central bank digital currencies : an inevitable innovation for the stability of the monetary system in the digital age

Lukonga, Inutu - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060854

Focused customer portfolio management in retail banking with customer lifetime value (CLV)

Führing, Meik; Cleven, Michael - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016074458

The retail central bank digital currency (CBDC) landscape

Kiff, John - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060837

Agent models of customer journeys on retail high streets

Torrens, Paul M. - 2023

Persistent link: https://ebvufind01.dmz1.zbw.eu/10013548818

Geographical and cultural proximity in retail banking

Carbó Valverde, Santiago; Perez-Saiz, Hector; Xiao, Hongyu - 2023 - Last updated: January 4, 2023

This paper measures how both geographical and cultural proximity of bank branches affect household credit choice and pricing. We examine both types of proximity jointly to separately identify the importance of soft information versus alternative mechanisms. Using a detailed household-level...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10013482552

Policy Design of Retail Central Bank Digital Currencies : Embedding AML/CFT Compliance

Kakebayashi, Michi; Presto, Gerard P.; Yuyama, Tomonori; … - 2023

This paper provides a foundation on how to ensure effective and efficient Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) compliance measures in the Central Bank Digital Currency (CBDC) system, focusing particularly on the retail CBDC in a two-tiered system. By...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014256567

Determinants of Bank Lending Rates : Empirical Evidence from Conventional Retail Banks in Bahrain

Farooq, Mohammad Omar; Gharaibeh, Ahmad - 2023

The study attempts to identify the determinants of lending rates in the Kingdom of Bahrain. It examines the impact of certain macroeconomic and banks’ aggregate data variables on the level of interest rates on loans charged by Bahraini conventional retail banks using quarterly data for the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014258586

A Proposal for a Minimally Invasive Retail Central Bank Digital Currency (CBDC)

McConnell, Patrick J. - 2023

The concept of a Central Bank Digital Currency (CBDC) is an innovation whose time appears to have come. Many Central Banks (CBs) are considering whether or not to develop such a ‘digital currency’ and, if so, how precisely to best implement systems and processes to manage such an innovation....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014354265

Retail Lending In January-April 2022

Zubov, Sergey - 2023

The changing macroeconomic satiation resulting from the introduction of anti-Russian sanctions had a restraining effect on retail lending. The retail lending segment saw a slowdown in lending activity, primarily with regard to unsecured loans, while mortgages were more resilient thanks to the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014355496

Кредитование физических лиц в январе-ноябре 2022 г. (Retail Lending in January-November 2022)

Zubov, Sergey - 2023

The aggravation of the geopolitical conflict and the imposition of anti-Russian sanctions had a restraining effect on the retail lending growth in H1 2022. In H2 2021, stabilization of the macroeconomic situation contributed to the recovery of banks’ lending activity, while the quality of the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014356149

Retail Lending In January-November 2022

Zubov, Sergey - 2023

The aggravation of the geopolitical conflict and the introduction of anti-Russian sanctions had a restraining effect on the retail lending growth pattern over H1 2022. This affected primarily the segments of unsecured consumer lending and car loans. Then in H2, the macroeconomic situation...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014356171

Jordan : Retail Central Bank Digital Currency Exploration

Tsuda, Natsuki - 2023

This paper presents high-level summary technical assistance report on Jordan's Retail Central Bank Digital Currency Exploration (rCBDC). Retail payment systems in Jordan are well integrated, enabling customers to make transactions between banks and PSPs through JoMoPay and CliQ. The cross-border...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015059669

Competition Market Study of Tunisia's Retail Banking Sector

2023

This market study provides an assessment of competition in three broad areas of the retail banking sector in Tunisia: current accounts, bank loans for micro, small and medium enterprises and mobile payment services. The report identifies areas where competition is not working as well as it...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014491432