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.
Gully erosion is one of the most complicated and destructive forms of water erosion. In order to prevent this erosion, the
important factors controlling gully heads must be understood. This paper examines gully head advancement in the Hableh Rood
Basin, Iran by (1) observing gully head advance between 1957 and 2005 using field studies, aerial photography and GIS analysis
and: (2) applying and evaluating widely used experimental models including the, Thompson (Trans ASAE 7(1):54–55, 1964), SCS (I) and SCS (II) models, for estimating migrating headcuts over the study period. The results showed that the highest
mean gully advancement (0.26 m year − 1) took place during the 1956–1967 period, with most gullies having lower and steady headcut retreat rates between 1967–2000
(0.21 m year − 1) and 2000–2005 (0.15 m year − 1). This suggests that the majority of gullies in the study area were still in the early stages of formation in the first study
period and their formation may be linked to land use or climatic changes pre 1956. Analysis of the correlation between environmental
characteristics of the study area and gully advancement indicated that the upslope area of head cuts and soluble mineral content
of the soil were the two most important factors influencing the spatial and temporal variation of gully longitudinal development.
Results of multiple regression revealed that the simple relation including upslope area and soluble minerals can explain 93%
of total variance and relatively reflects the effects of runoff and waterfall process for headcut retreat. Application of
statistical error analysis to evaluate the four gully advancement models showed that in comparison to other models, the second
model of SCS has more reliable results for predicting longitudinal gully advancement in this study area and other similar
regions. However, this study indicates that future modelling in the region should consider the role of soil soluble mineral
content in predicting gully advancement. 相似文献
We examine how the banking sector could ignite the formation of asset price bubbles when there is access to abundant liquidity. Inside banks, to induce effort, loan officers are compensated based on the volume of loans. Volume-based compensation also induces greater risk taking; however, due to lack of commitment, loan officers are penalized ex post only if banks suffer a high enough liquidity shortfall. Outside banks, when there is heightened macroeconomic risk, investors reduce direct investment and hold more bank deposits. This ‘flight to quality’ leaves banks flush with liquidity, lowering the sensitivity of bankers’ payoffs to downside risks and inducing excessive credit volume and asset price bubbles. The seeds of a crisis are thus sown. 相似文献
Elliptical distributions are useful for modelling multivariate data, multivariate normal and Student t distributions being two special classes. In this paper, we provide a definition for the elliptical tempered stable (ETS) distribution based on its characteristic function, which involves a unique spectral measure. This definition provides a framework for creating a connection between the infinite divisible distribution (in particular the ETS distribution) with fractional calculus. In addition, a definition for the ETS copula is discussed. A simulation study shows the accuracy of this definition, in comparison to the normal copula for measuring the dependency of data. An empirical study of stock market index returns for 20 countries shows the usefulness of the theoretical results. 相似文献
This study investigates the relationship between money and inflation using cointegration tests. For a broad sample of countries, the paper finds that most time series data underlying a typical monetarist model are nonstationary, indicating that it is necessary to appropriately transform the data in order to render the confidence tests reliable. Our principal finding is that money and inflation are related only in countries with high inflation [E 31] 相似文献
Using data from 83 countries, we show that the decline in the value of stock market indices in response to the Russia-Ukraine war was sharper in countries that have stronger trade ties (both exports and imports) with Russia and Ukraine. We also find the relationship between trade dependency and market drop is weaker in countries with more trade openness. 相似文献
We investigate whether diversification affects bank risk taking in the U.S. banking industry, and whether this relation is partially explained by agency theory. Our results show that U.S. banks with a relatively high share of noninterest income become riskier when moving toward non-interest-income-generating activities, especially activities from investment banking, proprietary trading, and so on. Diversification not only affects conditional average risk, but also the dispersion of risk. Moreover, diversified banks that received assistance from the Troubled Asset Relief Program (TARP) become riskier than diversified nonrecipients after TARP capital injections. Our main findings are robust to a battery of robustness tests. The results are partially explained under agency frameworks related to poor corporate governance. 相似文献
Review of Quantitative Finance and Accounting - Earnings management can be opportunistic and add noise to earnings, or informative about a firm’s underlying economic performance and add... 相似文献
Open Economies Review - This paper revisits the fear of floating hypotheses for eight African countries from the collapse of the Bretton Woods fixed exchange rate system in the early 1970s up until... 相似文献