scholarly journals A BSC-DEA approach to measure the relative efficiency of service industry: A case study of banking sector

2011 ◽  
Vol 2 (2) ◽  
pp. 273-282 ◽  
Author(s):  
M. B. Aryanezhad ◽  
E. Najafi ◽  
S. Bakhshi Farkoosh
Keyword(s):  
Relative Efficiency ◽  
Banking Sector ◽  
Service Industry ◽  
Dea Approach

Cyber crimes in the banking sector: Case study of Vietnam

2020 ◽  
Vol 6 (05) ◽  
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran
Keyword(s):  
Financial Literacy ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Framework ◽  
Economic Sectors ◽  
Technological Revolution ◽  
Survey Results ◽  
Cyber Crimes

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 

The Role of Mobile Money in Moderating Financial Exclusion: A Tanzanian Experience

2020 ◽  
Vol 2 ◽  
pp. 1-24 ◽  
Author(s):  
Deogratius Joseph Mhella
Keyword(s):  
Developing Countries ◽  
Financial Institutions ◽  
Banking Sector ◽  
Research Question ◽  
Microfinance Institutions ◽  
Mobile Money ◽  
Access To Credit ◽  
Financial Exclusion

Prior to the advent of mobile money, the banking sector in most of the developing countries excluded certain segments of the population. The excluded populations were deemed as a risk to the banking sector. The banking sector did not work with cash stripped and the financially disenfranchised people. Financial exclusion persisted to incredibly higher levels. Those excluded did not have: bank accounts, savings in financial institutions, access to credit, loan and insurance services. The advent of mobile money moderated the very factors of financial exclusion that the banks failed to resolve. This paper explains how mobile money moderates the factors of financial exclusion that the banks and microfinance institutions have always failed to moderate. The paper seeks to answer the following research question: 'How has mobile money moderated the factors of financial exclusion that other financial institutions failed to resolve between 1960 and 2008? Tanzania has been chosen as a case study to show how mobile has succeeded in moderating financial exclusion in the period after 2008.

Are Cryptocurrencies ḥalāl? On the Sharia-Compliancy of Blockchain-Based Fintech

2020 ◽  
pp. 1-37
Author(s):  
Irene K. F. Kirchner
Keyword(s):  
Banking Sector ◽  
Intrinsic Value ◽  
Security Issues ◽  
Competing Interests ◽  
Private Investors ◽  
Muslim Scholars

The discussion of the sharia-compliancy of cryptocurrencies is shaped by the competing interests of legislators, the business and banking sector, private investors and, finally, religious scholars whose conclusions are diverse and often contradictory. This essay provides an overview of historical and modern Islamic conceptions of commodities and property, money, and contract of sale laws, and how they relate to cryptocurrencies such as Bitcoin. In doing so, I respond to the most frequent concerns of Muslim scholars: the volatility and speculative nature of cryptocurrencies, security issues and, most commonly, the claim that cryptocurrencies are not ḥalāl because they have no intrinsic value. Finally, I show the consequences of different lines of argument for the sharia compliancy of cryptocurrencies in a case study of four cryptocurrencies: Bitcoin, OneGramCoin, Steemit and Nexo.

Prevent/Control Identity Theft

2012 ◽  
Vol 25 (3) ◽  
pp. 30-60 ◽  
Author(s):  
Mahmud A. Shareef ◽  
Vinod Kumar
Keyword(s):  
Literature Review ◽  
Purchase Intention ◽  
Banking Sector ◽  
Identity Theft ◽  
Operational Performance ◽  
Application Framework ◽  
Management Tools ◽  
And Control ◽  
The Impact

This study provides an application framework toward measures to prevent/control identity theft in conjunction with sources. It also identifies the impact of overall protection of identity theft on consumer trust, the cost of products/services, and operational performance, all of which in turn contribute to a purchase intention using E-commerce (EC). For the first objective, this study proposes a matrix of sources and measures to prevent and control identity theft. From this matrix, using knowledge from a literature review and judgment based on plausibility, the authors identify global laws, controls placed on organizations, publications to develop awareness, technical management, managerial policy, risk management tools, data management, and control over employees are the potential measuring items to prevent identity theft related to EC. A case study in banking sector through a qualitative approach was conducted to verify the proposed relations, constructs, and measuring items. For the second objective, this research paper conceptualizes a model based on literature review and validates that based on the case study in the financial sector. The model reflects the effects of preventing and controlling identity theft on the costs of products/services, operational performance, and customers’ perception of trust, which would lead to purchase intention in EC.

scholarly journals Data Envelopment Analysis (DEA) Approach for the Jordanian Banking Sector's Performance

2016 ◽  
Vol 10 (5) ◽  
pp. 170
Author(s):  
Imad Zeyad Ramadan
Keyword(s):  
Banking Sector ◽  
Foreign Banks ◽  
Data Envelopment ◽  
Net Income ◽  
Efficiency Ratio ◽  
Mortgage Crisis ◽  
Investment Opportunities ◽  
Reservation Policy ◽  
Dea Approach ◽  
Main Activity

<p class="zhengwen">This study sought to evaluate the performance of banks in the Jordanian banking sector, where DEA approach has been used for a sample of banks operating in Jordan amounted to 16 banks (10 Jordanian banks and 6 foreign banks operating in Jordan) during 2014 and by using the variables: Deposits and liabilities<strong>,</strong> Total expenses<strong> </strong>and Dedicated asset as main inputs for banks and which represent the main activity of banks, and the variables : Credit facilities<strong> </strong>and Net Income<strong> </strong>as outputs of the banks using the statistical software SIAD.</p>The current study has concluded that all banks operating in Jordan have a surplus in resources untapped optimally and over the investment opportunities available to these banks, and the reason beyond this may be due to the reservation policy of banks, especially after the mortgage crisis suffered by these banks. The study has also concluded that foreign banks operating in Jordan have achieved efficiency ratio more than the Jordanian banks, and this can be attributed to the financing experience of foreign banks’ managements and their international spread which is more than the Jordanian banks’.

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