Measuring Spatial Distribution in the Banking System in Hungary

Over the past decade, due in part to the global economic crisis, a significant part of the bank branches have been closed in the European banking system, but in Hungary this proportion has been significantly higher than the European average. Therefore, the aim of the present study is to explore what aspects of commercial banks are taken into account when deciding where to be present within bank branches. This will also reveal the spatial dimension of public access to financial services. The present study seeks to answer the question of which socio-economic factors and in what form they affect the spatial structure of bank branches. The settlement-level examination can also provide additional indication of which settlements may be affected by further bank branch closures. Linear regression based on Ordinary Least Squares (OLS) parameter estimation was used to explore the factors influencing the location of bank branches. In addition, the possible clustering of bank branches was observed, i.e., whether spatial autocorrelation was present at certain stages of the analysis. Geographically Weighted Regression (GWR) was also estimated in the present study. Based on the results of the research, the resident population, the proportion of enterprises per capita, the average income, the number of neighbouring bank branches and the type of settlement all proved to be significant factors that may encourage decision-makers to establish a bank branch.

Pathways towards Green Banking adoption: moderating role of top management commitment

Purpose The purpose of this study is to empirically examine the determinants and outcomes of Green Banking adoption and the moderating influence of top management commitment under the corporate environmental ethics ideology. External stakeholder pressures are analyzed as determinants of Green Banking adoption. Brand image and operational efficiency are examined as outcomes of this business ideology. Green Banking adoption is adapted as a second-order construct with four first-order reflective constructs to ensure in-depth conceptualization of the construct. Design/methodology/approach Green Banking adoption is studied at the bank branch level in a developing country, i.e. Pakistan. The data is collected from the branch managers of 212 bank branches from five major cities of Pakistan through mails. Self-administered survey was used for the data collection. The data was analyzed through the application of partial least square-structured equation modeling in SMART PLS 3.2.9. The measurement model and the structural model of the research framework were analyzed through the two-stage approach of the second-order analysis. Findings The results indicate a positive relationship between customer and competitor pressure and Green Banking adoption among bank branches in Pakistan depicting an influence of various environmental ethical pressures on bank’s adoption practices. Community pressure was shown to have no significant influence on Green Banking adoption at the branch level. The moderator of top management commitment caused a positive influence on the relationship between all the studied stakeholder pressures and Green Banking adoption. Branch managers reported branch image and operational efficiency to be enhanced due to Green Banking adoption. Originality/value This study attempts to fill in the significant gap in Green Banking adoption literature through an empirical analysis of Green Banking’s second-order construct. Currently, limited literature exists on the various aspects of Green Banking adoption, and an empirical study has not been conducted at the bank branch level. The study contributes significant practical, theoretical and methodological contributions to the area of Green Banking.

SERVQUAL Model Application on Assessing Quality of Deposit Service: Case Study from Joint Stock Commercial Bank for Investment and Development of Vietnam - Hai Ba Trung Branch

This paper is aimed at analyzing the customers’ expectations and perceptions of deposit service quality at a specific bank branch in Vietnam, as service quality has been considered as an essential factor for success and acknowledgement in the banking field. The data are combined between secondary data of the bank branch and desk review data, and primary data collected from 200 clients in 4 months in 2019, with 25 questions developed from SERVQUAL model, justified for banking sector. The SERVQUAL research model is applied. The main findings are: all measurements of SERVQUAL including Reliability, Tangible, Assurance, Responsiveness, and Empathy have significant impacts on customer satisfaction. While Responsiveness is the factor that impact on customers’ satisfaction the greatest, Assurance is acknowledged as the dimension which impact on customers’ satisfaction the least. This study shows a support to the overall understanding about service quality in the banking field. Besides, it gives useful information to assist commercial banks in management, such as focusing on service quality and improving the customers’ satisfaction. Keywords: Assurance, Customers’ satisfactions, Deposit Service Quality, Responsiveness, SERVQUAL.

– The contribution of satisfaction antecedents to the satisfaction rate of the beneficiaries and the rate of their confidence in banking services – A comparative study: إسهام مسيرات الرضا في معدل رضا المستفيدين ومعدل ثقتهم في الخدمات المصرفية – دراسة مقارنة بين فرع بنك المزارع التجاري السوداني بشارع القصر بالخرطوم وفرع حي العرب بأم درمان –

This study aims to determine the contribution of satisfaction antecedents (the level of expectations of the beneficiaries of the service before benefiting from it, the level of their perception of quality, the level of their perception of the value of the services, the level of quality of service elements dimensions) to the level of the beneficiaries' satisfaction with the services of each branch of the Sudanese Farmer Commercial Bank in Al- Qasr Street in Khartoum and in Hay Al Arab district in Omdurman. Also determining the contribution of the beneficiaries' satisfaction level to their loyalty to the services of both the Sudanese Farmer commercial Bank branches in Al Qasr Street in Khartoum and in Hay Al arab district in Omdurman. In this study, the descriptive and analytical approach was used with regard to the theoretical side, while the case study approach was adopted with regard to the field side, by applying the theoretical study on the case of the Sudanese Farmer commercial Bank both branches, Al Qasr Street in Khartoum and Hay Al arab district in Omdurman. The data were analyzed using the (SPSS) (Statistical Packages for Social Sciences) program. The study reached several results, the most important of which are: The contribution of the service quality components to the beneficiaries ’satisfaction level with the services of Sudanese Farmer Commercial Bank branch of Hay Alarab district in Omdurman, with a low rate (30.2%) compared to the contribution of the service quality components to the beneficiaries’ satisfaction level with the services of Sudanese Farmer Commercial Bank branch of Al- Qasr Street in Khartoum, which showed a high percentage (60.4%).Several recommendations emanated from these results, the most important of which are: Making this research guide to create models for measuring levels of satisfaction and confidence in banking services in all branches of the Sudanese Farmer Commercial Bank, as well as implementing an effective monitoring system and writing reports on the implementation of the results and recommendations aimed at improving services and ensuring that they are applied as recommended.

Geomarketing Big Data Analysis

The accumulation of a large amount of geospatial data requires new approaches to their processing and visualization. One of these approaches is the creation of a geomarketing system with a fundamentally new toolkit based on data clustering. The capabilities of such a system are shown using examples of housing cost assessment, determining the location of a new shopping center, a bank branch and a clinic.

Bank Branch Closure Assessment Using DEA

The downward trend in the number of commercial bank offices is driven by the bank's efforts to shift banking transactions from physical branch to digital channels in order to improve efficiency. In prioritizing the branch closure, bank needs to define the appropriate method used in the analysis. This case study is intended to identify the parameter to determine the prioritization of bank branch office closure. This study uses a non-parametric approach of Data Envelopment Analysis (DEA) to examine the efficiency and productivity change of branch offices at one of the large bank in Indonesia. The one-stage DEA was used to generate the relative efficiency score, and the input-oriented Variable Return to Scale (VRS) assumption is adopted in data analysis based on the production approach. The Malmquist Productivity Index was also adopted to measure the total factor productivity change. The DEA result shows that a number of closed branches in 2019 and 2020 were actually considered efficient, with increasing productivity, compared to many other inefficient branches. The efficiency and productivity score can be further used by the bank’s management to evaluate the upcoming branch closure as well as the overall branches efficiency.