Catalogue Search | MBRL
Are you sure you want to remove the book from the shelf?
{{itemTitle}}
124,267
result(s) for
"Branch banking"
Sort by:
From exceptional to normal: changes in the structure of US banking since 1920
A century ago the US commercial banking system was exceptional in two ways. It was by good measure the largest commercial banking system of any country. And it was different from the commercial banking systems of other leading countries in having tens of thousands of independent banks with very few branches rather than the more typical pattern of a far smaller number of banks with many branches. Today, a century later, the US system is more normal than exceptional, dominated by a small number of very large banks with extensive branch systems. This article describes the US banking-structure transition from exceptional to normal. It closes with an interesting contrast of US and European banking developments.
Journal Article
Gateway Expands To Benton
Gateway will join nine other banks competing through 15 full-service branches in the $1 billion-deposit Benton market. Volunteer State Move More than five years after investing in Tennessee real estate, Little Rock's Bank OZK is looking to open its first full-service branch in the Volunteer State. Expected to be open in 2023, the location will expand Bank OZK's branch network to Tennessee, representing the ninth state in its footprint.
Journal Article
Adoption of digital banking channels in an emerging economy: exploring the role of in-branch efforts
The aim of this qualitative study is to analyse the role of in-branch efforts of banks on migrating customers from branch banking to digital banking in India. In-depth semi-structured interviews were conducted with bank executives representing senior management from public and private sector banks in India. Qualitative content analysis technique was used to analyse the data. Varieties of responses received during interviews were clubbed into four main themes based on data reduction, display, and conclusion-drawing processes. In-branch communication with customers, digital transformation of the branch, customer-centric initiatives, and redefined role of branch staff hold the potential to bridge the customers’ migration to digital banking. The paper suggests that the key identified factor in improving digital banking acceptance in India is the requirement of integrated cultural and organisational changes at the bank’s level to gain the customers’ confidence and trust in digital banking.
Journal Article
Predicting the intention to use mobile banking in India
Purpose
The purpose of this paper is to identify factors influencing the adoption of mobile banking in India and develop and empirically validate a model explaining the behavioural intention to use mobile banking in the Indian banking sector.
Design/methodology/approach
In this study, a model is developed and proposed to explain customers’ intention to use mobile banking. The model comprises six constructs, namely, perceived ease of use, computer self-efficacy, social influence, perceived financial cost, security, and trust. The model also describes the relationship between perceived ease of use and computer self-efficacy, as well as that between security and trust. The proposed model was tested by using a survey method, with a sample of 855 bank customers from public, private, foreign, and cooperative banks in India. Structural equation modelling analysis was performed with AMOS 16.0.
Findings
The proposed theoretical model was found to predict, with statistical significance, the intention to use mobile banking, explaining 76.9 per cent of the variance in the dependent variable. The results found that security, computer self-efficacy, perceived ease of use, and perceived financial cost, in that order of influence, affect customers’ intention to adopt mobile banking.
Practical implications
The results obtained will help both academic researchers and practitioners explain, understand, and elucidate the status of mobile banking in India, as well as helping them formulate strategies to expedite the use of mobile banking.
Originality/value
The adoption of mobile banking in India is in a nascent stage compared with developed countries such as the USA, the UK, and Finland, but it is expected to increase or surpass the rate of adoption of internet banking in those countries. Further, only limited research to date has examined the adoption of mobile banking in India, especially the drivers and inhibitors of mobile banking adoption.
Journal Article
Credit Supply and the Price of Housing
An exogenous expansion in mortgage credit has significant effects on house prices. This finding is established using US branching deregulations between 1994 and 2005 as instruments for credit. Credit increases for deregulated banks, but not in placebo samples. Such differential responses rule out demand-based explanations, and identify an exogenous credit supply shock. Because of geographic diversification, treated banks expand credit: housing demand increases, house prices rise, but to a lesser extent in areas with elastic housing supply, where the housing stock increases instead. In an instrumental variable sense, house prices are well explained by the credit expansion induced by deregulation.
Journal Article
Banking in the metaverse: a new frontier for financial institutions
PurposeTechnological advancements have catalyzed disruption in the banking sector. The impact of the metaverse on the banking sector is no exception. In view of this, the current paper aims to provide valuable insights into four key areas (i.e. corporate banking, retail banking, banking employees and public policy) that the metaverse could significantly disrupt.Design/methodology/approachInsights into four key areas of the banking sector that the metaverse could significantly impact were gathered from various invited contributors.FindingsThe invited contributors first introduce the association between their respective key areas with the metaverse. Subsequently, the opportunities and challenges relevant to the key areas were identified. Finally, future research agendas were proposed for the attention of all relevant stakeholders.Originality/valueThe metaverse's impact on key areas of the banking sector is discussed in this paper. Following the metaverse's potentially wide application in the banking sector, insights from the invited contributions offer great value to the relevant stakeholders.
Journal Article
Analyzing the factors influencing adoption intention of internet banking: Applying DEMATEL-ANP-SEM approach
The main purpose of this study is to propose a research model to explore the key factors affecting consumers' willingness to use online banking. There are two stages in this research. Firstly, the decision making trial and evaluation laboratory (DEMATEL) and analytic network process (ANP) were used to explore the key factors of companies in operation of online banking. Secondly, the structural equation modeling (SEM) was used to explore the key factors of consumers' actual use of online banking. The results showed differences in the factors that companies and consumers adopted. Based on the findings, companies can adjust their business strategies and improve the consumers' willingness of online banking usage. The primary factor valued by both companies and consumers is trust. Hence, in the business of internet banking, the companies must strengthen areas such as liquidity monitoring, information security, and compliance with financial regulations, in order to reduce risks and gain customers' trust.
Journal Article
Literature review of mobile banking and individual performance
Purpose
Most empirical studies of m-banking seek to understand the factors and motivations that influence the adoption or behaviour intention. The purpose of this paper is to focus on analysing and synthesising existing studies and make recommendations to researchers and practitioners.
Design/methodology/approach
Few papers focus on the m-banking use and individual performance, but on the determinants of adoption measures, instead. This research examines 64 journal articles published between 2002 and 2016 in top journals. Following a comprehensive review of the literature, the authors propose a research agenda.
Findings
The importance of use and individual performance has long been recognised by academics and practitioners in a variety of functional disciplines. The present review indicates that the topics of m-banking adoption and behavioural intention dominate the majority of research, but finds very few studies on post-adoption. The two most significant drivers of intentions to adopt m-banking are perceived ease of use and perceived usefulness. Considering several m-banking definitions, the authors propose a new, broader definition that takes into account the technological changes that have occurred over time. m-banking is a service or product offered by financial institutions that makes use of portable technologies.
Originality/value
This paper assembles this diverse body of knowledge into a coherent whole. The authors expect that this review will be of benefit to anyone interested in m-banking research and that it will help to stimulate further interest. In order to advance research in m-banking, future research should consider other theories uncovered in our findings.
Journal Article
Applying the Clique Percolation Method to analyzing cross-market branch banking network structure: the case of Illinois
This study applies the Clique Percolation Method (CPM) to an investigation of the changing spatial organization of the Illinois cross-market branch banking network. Nonoverlapping community detection algorithms assign nodes into exclusive communities and, when results are mapped, these techniques may generate spatially disjointed geographical regions, an undesirable characteristic for geographical study. Alternative overlapping community detection algorithms allow overlapping membership where a node can be a member of different communities. Such a structure simultaneously accommodates spatial proximity and spatial separation which occur with respect to a node in relation to other nodes in the system. Applying such a structure in geographical analysis helps preserve well-established principles regarding spatial relationships within the geography discipline. The result can also be mapped for display and correct interpretation. The CPM is chosen in this study due to the complete connection within cliques which simulates the practice by banking institutions of forming highly connected networks through multi-location operations in order to diversify their business and hedge against risks. Applying the CPM helps reveal the spatial pattern of branch banking connections which would otherwise be difficult to see. However, the CPM has been shown to not be among the best performing overlapping community detection algorithms. Future research should explore other possible algorithms for detecting overlapping communities. Detecting communities in a network only reveals certain characteristics of the spatial organization of the network, rather than providing explanation of the spatial-network patterns revealed. Full interpretation of the pattern must rely on the attribute data and additional information. This may illustrate the value of an integrated approach in geographical analysis using both social network analysis and spatial analysis techniques.
Journal Article