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Download Free PDF View PDF ASR Chiang Mai University Journal of Social Sciences and
Humanities The Financial Literacy of College Students: Evidence From India Manju Dahiya This
article attempts to assess the financial literacy of college students in India through the application of
a questionnaire. This also makes the bank and the sources to with hold the short term loans they lend
to the customers. Second, we employed the Leximancer software to supplement the manual
classification process. Download Free PDF View PDF Assessing the Systemic Risk of A
Heterogeneous Portfolio of Banks During the Recent Financial Crisis Jiahua Shi Download Free
PDF View PDF See Full PDF Download PDF Loading Preview Sorry, preview is currently
unavailable. Online Banking Service Practices and Its Impact on E-Customer Based on the duration
of online banking service, an equal number of respondents 21.6% used online banking for less than 6
months, and for 6 to 12 months each, a large number of respondents 34.6% of respondents utilized
online banking for more than 1 to 3 years, while 22.1% had done so for more than 3 years. The
outcomeshows that the general alertness in relation to the techniques and planning tools related to
the finance among women are in the current scenario is still not satisfactory.Thestudy has also
addressed various aspects that are crucial and significant that is also related to the financial concept,
financial products,and services etc. In the current research, the banks are also in the United Kingdom
and they are normally owned by the merchant people. (Andenaes; chiu 2014). The initial search
results are then narrowed down, and the refined results are stored in a file. The growth of the ROE
normally depends on the local banks in the country. Fiscal Rules and Debt Restructuring: The
European Union Experience - Country. Most of the institutions are owned by the government and
they provide the required financial services to the customers. So I researched the ideas and found a
few books which talked about the luxury brands in Asia under economic recession. In: Competition
and Efficiency in the Mexican Banking Industry. There are very few research and literature available
on the subject related to financial reforms and its impact on Indian banks. Equation 1 explains the
page rank (PR) of a published paper, N refers to the number of articles. Therefore the key issue here
is to identify the kind of services expected by the customers and whether the banks have understood
their expectations and adopted CRM practices to meet them. Declarations On behalf of all authors,
the corresponding author states that there is no conflict of interest. Regulations and their impact on
banks have been a matter of debate for a long time. Investor's perceptions on artificial intelligence
(AI) technology adoption in investment services in India. Ekinci et al. ( 2014 ) proposed a customer
lifetime value model, supported by a deep learning approach, to highlight key indicators in the
banking sector. Xu et al. ( 2020 ) examined the effects of AI versus human customer service, and
found that customers are more likely to use AI for low-complexity tasks, whereas a human agent is
preferred for high-complexity tasks. Payne et al. ( 2018 ) examined digital natives' comfort and
attitudes toward AI-enabled mobile banking activities. It is very difficult for the bank to sell
unsuspected assets to the market at a cheap price making it hard for the bank to settle the short term
funding. We also employed the Johansson co-integration and error correction model (ECM)
statistical techniques to establish both short-run and long-run dynamic relationships between the
endogenous and exogenous variables. If the two parties agree then an act is implemented and written
down for security purposes. Imbalanced customer classification for bank direct marketing. With the
growth of Service Marketing, Customer Relationship Management (CRM) advanced and became
popular in India. We manually removed irrelevant filler words, such as “pp.,” “Figure,” and “re.”
Finally, our results consisted of two maps: a) a conceptual map wherein central themes and concepts
are identified, and b) a relational cloud map where a network of connections and relationships are
drawn among concepts. This has been conducted on 19 MENA region countries (Egypt, Sudan,
Lebanon, Libya, Iraq, Tunisia, Algeria, Morocco, Qatar, United Arab Emirates, Saudi Arabia,
Bahrain, Palestine, Oman, Djibouti, Turkey, Kuwait, Jordan, and Mauritania), on a yearly basis over
the period from 2008 to 2018. The execution is impending, and it highly depends on the political
will, which does not appear to be strong now. A quality journal will have a high impact factor and,
therefore, more citations.
The consumers compares the benefits and weigh them against the costs associated with the service.
Hence an efficient risk management system is needed. Application of ensemble models in credit
scoring models. Only one article “A survey of corporate governance” falls under the prestigious
articles based on the page rank. Moreover, this paper also lists that some researchers have contributed
more than one literature on this subject. In modern era, each and every bank is realizing the
importance of relationship with customer to survive in the competitive world. This study focuses on
regulatory power federal government agencies and state governments on. This will be known from
the pool of the assets which should meet the required qualities. All of the 26 Pakistani commercial
banks, which are registered with the State Bank of Pakistan, have been included in the study. The
financial strength of this sector depends on their customer satisfaction. TARULLO, D. K. (2008).
Banking on Basel the future of international financial regulation. He has more than 14 years of
teaching and research experience and has guided 1 PhD and 16 MPhil scholars. Download citation
Received: 11 March 2022 Accepted: 16 August 2022 Published: 03 September 2022 DOI: Share this
article Anyone you share the following link with will be able to read this content: Sorry, a shareable
link is not currently available for this article. Payne et al. ( 2018 ) examined digital natives' comfort
and attitudes toward AI-enabled mobile banking activities and found that the need for services,
attitude toward AI, relative advantage, and trust had a significant positive association with the usage
of AI-enabled mobile banking services. Restrictions on real estate, insurance and securities activities
impede productivity change in all income level groups but not in high-income economies. Download
citation DOI: Publisher Name: Palgrave Macmillan, New York Print ISBN: 978-1-349-55677-9
Online ISBN: 978-1-137-51841-5 eBook Packages: Economics and Finance Economics and Finance
(R0) Share this chapter Anyone you share the following link with will be able to read this content:
Sorry, a shareable link is not currently available for this article. The findings demonstrate how the
literature on AI and banking extends to three key areas of research: Strategy, Process, and Customer.
To achieve the competitive advantage, Indian banks have to focus on the customer. Equation 1
explains the page rank (PR) of a published paper, N refers to the number of articles. A recent
academic and policy interest in developing countries, albeit large scale surveys are lacking, show
increasing global relevance financial literacy and savvy financial behavior for socio economic health
of a nation. This process resulted in the selection of 44 articles for subsequent analyses. The object of
the research is the banking system of Russia. Keyword analysis also shows the theories of banking
and their determinants. However, non-funding and non-interest-bearing activities would be the major
revenue source. Ready or not, AI comes—an interview study of organizational AI readiness factors.
For example, Soltani et al. ( 2019 ) examined the use of machine learning to optimize appointment
scheduling time, and reduce service time. Retail banks are the banks at the streets where many
people in the country access the banks. Example is the mortgage which is mostly around 25 years
old. Reprints and permissions About this article Cite this article. Rastogi, S., Sharma, A., Pinto, G. et
al. A literature review of risk, regulation, and profitability of banks using a scientometric study. High
risk could threaten the existence of small-sized banks; thus, they need robust risk shielding.
However, when different types of e-banking services are provided but their quality is not acceptable,
not only the customers would not be satisfied but they would be complaining about them. Hence,
they are unable to sustain and are failing because their model is only social instead of a much-needed
dual business-cum-social model. These findings may benefit marketers and decision-makers in the
banking sector to formulate strategic decisions regarding the utilization and optimization of value
from AI technologies in the banking sector. Regulatory authorities are striving hard to make
regulatory frameworks more structured and stringent. A systematic review of systematic reviews in
tourism. Artificial intelligence as an enabling tool for the development of dynamic capabilities in the
banking industry. This paper tries to explore the level of financial literacy in India. Compliance LLC
Compliance Study Compliance Study Nick Charalambides The relationship between net interest
margin and return on assets of listed b. The growth of the economy can be accelerated by financially
strong banking and financial services sector. Location of articles published on Triad of profitability,
regulation, and risk Figure 5 shows that the most significant number of articles is published in the
USA, followed by the UK. Concentration banking reduces competition to lower and manageable
levels, reduces banks’ risk-taking, and enhances profitability. In recent years, AI-based technologies
have been shown to be effective and practical. Some of the theories are agency theory (23),
information asymmetry (21), moral hazard (17), and market efficiency (16), which can be used by
researchers when building a theory. Key author analysis Table 3 shows the number of articles written
by the authors out of the 3457 articles. It is important to note that while the proposed process
provides immense value to customers and banking institutions, many customers are hesitant to share
their information; thus, trust in the banking institution is key to enhancing customer experience. The
relationship between regulatory inconsistencies and nigerian banking indu. Sitemap case study
creative writing presentation problem solving rewiew prompts websites tips. Fiscal Adjustment and
Subnational Borrowing Regulations: Jorge Martinez-Vazqu. Unit banking refers to a single bank
which extracts services and operates without any branches. More recently, technological
advancements have opened the doors for AI to facilitate enterprise cognitive computing, which
involves embedding algorithms into applications to support organizational processes (Tarafdar et al.,
2019 ). This includes improving the speed of information analysis, obtaining more accurate and
reliable data outputs, and allowing employees to perform high-level tasks. Online banking is a
technological advancement that has brought about such a change. In addition, the COVID-19
pandemic has brought on a plethora of challenges in the implementation of AI in the banking sector.
It is also very ironic to the government that it allowed the global bank to be bankrupt despite of the
suffering of the economy of the country. In: Ray N, Chakraborty K (eds) Handbook of research on
strategic business infrastructure development and contemporary issues in finance. Barriers in
adoption of internet banking: a structural equation modeling-neural network approach. Hyde
Published 2017 Business, Computer Science, Economics TLDR This study attempts to explore
literature review on e-banking and gives conclusion on the basis of past studies that electronic
(Internet) banking and payments are likely to advance. The discount may be obtained by the use of
the promo code. In a county like India, the half populace is female thus financial education is must
for all irrespective of gender; their commitment to financial development is an unquestionable
requirement. In addition, while there is an abundance of research on credit risk, the exploration of
other financial products remains limited. A survey method was employed using a sample of 230
respondents of Tricity.
It is at the end after the fall of the global bank that the regulators begun to rescue the behavior of
other financial institution which was caused by the panic they developed. The increasing use of AI-
driven tools to drive organizational effectiveness creates greater business efficiency opportunities for
financial institutions, as compared to traditional modes of strategizing and risk model development.
Malaysia and China have also contributed many articles in this area. However, there is a lack of
acceptance of the triad as a solution to the woes of bank performance and risk management. Bank
efficiency has been an important issue in transition. Health care, Illness, Medical terms 1044 Words 4
Pages How to do literature review. Key author analysis Table 3 shows the number of articles written
by the authors out of the 3457 articles. In addition to this there would be an examination of the
relationship between Tourism and managing. In order to reach the potential opportunities of the
market and to overcome the different barriers and threats present in the complex business
environment, the banks should possess competitive advantage. Apart from the citation analysis, one
more analysis is essential: Page rank analysis. In this regard, the major milestone has been the
formation of National Payments Corporation of India. Cousin of Disability of Indian Banking
Intensive Among Liberalisation. Keep on browsing if you are OK with that, or find out how to
manage cookies. The financial strength of this sector depends on their customer satisfaction. As Xu
et al. ( 2020 ) found that customers prefer humans for high-complexity tasks, the integration of
human employees for cases that require manual review is vital, as AI can make errors or misevaluate
one of the C's of credit (Baiden, 2011 ). The present paper is an attempt to understand the banking
efficiency, as they are indispensable to a nation. The keywords also show that efficiency through
data envelopment analysis is a determinant of the performance of banks. The roles of alternative data
and machine learning in fintech lending: Evidence from the LendingClub consumer platform. The
availability of a robo-advisor can enhance the service offering, as it can help customers with the
appropriate solution after gathering basic personal financial data and validating it instantly with
credit reporting agencies. In this study, we used the preferred reporting method for systematic
reviews and meta-analyses (PRISMA) to ensure that we follow the systematic approach and track
the flow of data across different stages of the SLR (Moher et al., 2009 ). After extracting the
articles, each of the 626 papers was given a distinctive ID number to help differentiate the papers;
the ID number was maintained throughout the analysis process. Stock market prediction using
artificial neural networks with optimal feature transformation. This brought a spot that was
permanent in the global bank when there emerged large inflow of the capital from Asia (Saunders;
Cornett 2011). In the special agreement of the two parties there is a trustee who becomes the witness
to the agreement (Heffernan 2005). Utilization of artificial intelligence in the banking sector: a This
study provides a holistic and systematic review of the literature on the utilization of artificial
intelligence (AI) in the banking sector since 2005. It is also logic that the customers need techniques
for them to manage their financial activities. Since 2016, there has been a surge in research linking
the themes of Processes and Customers. To achieve all these laws and regulations, U.S. government
has focused on preventive measures. Themes of study in manufacturing strategy literature. This
paper collates all the previous studies on the triad systematically and presents a curated view to
facilitate the policy makers and stakeholders to make more informed decisions on the issue of bank
performance and risk management. The study identifies the prominent authors, keywords, and
journals that researchers can use to understand the publication pattern in banking and the link
between bank regulation, performance, and risk.
In the financial crisis of the Asian economy the ROE proved to be the hero by the saving the
economic from diminishing. Bank's efficiency is usually gauged with conventional methods of
financial ratio analysis. These recommendations were developed by reviewing all the future research
directions included in the 44 papers. Whether you need to choose a topic for your paper or write the
entire content from scratch, our experts will help me write my essay at a comparatively low price. In
the arguments, financial markets may fall and rise independently without any help. This can be a
lender who gives loans to the customers or to the homeowner or the corporation agency. Medhi and
Mondal ( 2016 ) highlighted the use of an AI-driven model to predict outsourcing success. In 1982,
U.S. banking systems enacted Garn-St Germain Act. Banks have their own way of managing their
relationships with the customers. This paper tries to explore the level of financial literacy in India.
These banks are normally in the United States and they are gradually spreading to other parts of the
countries in the world. Apart from that,to know the financial literacy level of women, we
constructed a questionnaire and circulated among the working women in the city of Jaipur so as to
assort relevant and appropriate data. The study is furthered to combine CE with the service profit
chain model. The major goal of the current Basel is to ensure that there is transparency in the banks
finance and total discipline in the business. Therefore, we recommend that future research investigate
the different factors (e.g., leadership role) that impact the organizational adoption of AI technologies.
To assist in the implementation of AI-based decision-making, we encourage banking professionals to
consider further refining their use of AI in the credit scoring, analysis, and granting processes to
minimize risk, reduce costs, and improve customer experience. Data analysis is done using
scientometrics tools, such as Table2net and Sciences cape software, and Gephi to conduct network,
citation analysis, and page rank analysis. All this is maintained by a local bank having obtained the
best dividends that are consistent and have perfect programmers and mergers including the
acquisitions. A number of banking regulations are designed to ensure the financial well-being and
security of. The limitations of the regulations and the importance of concentration banking are part
of the findings. The company also has a number of plans that will provide the source of the financing
problem that may arise. Location of articles published on Triad of profitability, regulation, and risk
Figure 5 shows that the most significant number of articles is published in the USA, followed by the
UK. PDF E-BANKING: REVIEW OF LITERATURE This study attempts to explore literature
review on e-banking and gives conclusion on the basis of past studies. This includes the risks and
benefits of Online Banking, its reliability and accessibility to make transactions and other banking
activities. Support processes aid in internal organizational interactions and back-stage actions. Triad
and the performance of banks Regulation and triad. The article also discusses research work carried
out by authors on Data Envelopment Analysis, specifically. Likewise, to investigate the determinants
of efficiency Tobit model was used. Banks can face problems in the way they operate in terms of the
financial earnings and investments. Regulations and their impact on banks have been a matter of
debate for a long time.
But the review of these literatures reveal that many researchers hinge on DEA for banking efficiency
measurement. This paper also contributes significantly by proposing a DBS (differential banking
system) model to solve the problem of banks (Fig. 7 ). This paper examines studies worldwide and
therefore ensures the wider applicability of its findings. The damping factor is denoted by a “ d ”
which varies in the range of 0 and 1. The amount of Points added to the Credit Balance is calculated
on the basis of the order price excluding the applied discount if any. Regulators are also blamed in
the financial crisis where they also contribute to the failure and not only the people. This paper
studies the pattern of systemic risk and size effect in the Indian banking sector. Limitations and
scope for future research The current study only considers a single database Scopus to conduct the
study, and this is one of the limitations of the study spanning around the multiple databases can
provide diverse results. Classifying potential users of live chat services and chatbots. In designing
capital adequacy set of laws, the review postulate a couple of variant approaches which include:
forming rules that are geared towards influencing the activities undertaken by different banks
through sinking excessive risk taking incentives for the good of the economy at large (FSA 2009).
Does financial restructuring help in improving the financial What are the topics Topics need to come
from the course content. Hence, the study of the banking industry and its impact on the economy is
of the utmost importance. This winner presents a huge review of 165 fraction articles cared on the
adoption of. The research was conducted in Thiruvannamalai, Tamil Nadu. The data is collected from
the published annual reports of banks and stock exchanges of respective country. Despite regulations,
such as high capital buffers and liquidity ratio requirements, during the second decade of the twenty-
first century, the Indian banking sector still witnessed a substantial increase in NPAs. Liquidity risk
is a crucial aspect of private banks. The GDP of many of the rich countries in the world is still low
while in Europe the financial crisis arose to be the Euro crisis. The central bank pointed the issue
when they saw the deficit of America and the capital in flaws increasing and becoming excess. As a
result, when proposing regulations, it is critical to consider bank performance and risk management.
Publisher's Note Springer Nature remains neutral with regard to jurisdictional claims in published
maps and institutional affiliations. Financial Institutions Reform, Recovery, and Enforcement Act,
passed in 1989, was designed. The process of arriving at such decisions should provide a balance
between managing organizational risk, maximizing profit, and increasing financial inclusion. Filters
are also introduced on the rules in the harmonized way. To achieve all these laws and regulations,
U.S. government has focused on preventive measures. It includes offering of information and
selected services through the World Wide Web by banks and other financial service firm. For
instance, Trivedi ( 2019 ) examined the factors affecting chatbot satisfaction and found that
information, system, and service quality, all have a significant positive association with it. This
process resulted in the selection of 44 articles for subsequent analyses. Since 2016, there has been a
surge in research linking the themes of Processes and Customers. If the two parties agree then an act
is implemented and written down for security purposes. Modern communication technologies have
conquered time and space dimensions and have changed the modern world into a global village so
that it seems the modern human being has entered another world.
Reprints and permissions About this article Cite this article. Rastogi, S., Sharma, A., Pinto, G. et al.
A literature review of risk, regulation, and profitability of banks using a scientometric study. Most of
the companies concentrate on the complexity of the business in order to meet the rapid growth
where by the companies face the under investing of the technology sector by cost cutting the costs.
Is the System of Shadow Banking in China a risk for the Chinese Financial Sys. Furthermore, the
relationship between CRME dimensions and customer behavioral outcomes such as customer
satisfaction, loyalty and cross-buying were examined. Literature review helps researcher to remove
limitations of existing work or may assist to extend prevailing study. Using data mining and neural
networks techniques to propose a new hybrid customer behavior analysis and credit scoring model in
banking services based on a developed RFM analysis method. Schwartz et al. ( 2017 ) utilized an AI-
based method to examine the resource allocation in targeted advertisements. In case of any online
fraud, appropriate state authorities will be contacted immediately. In this study, we used the
preferred reporting method for systematic reviews and meta-analyses (PRISMA) to ensure that we
follow the systematic approach and track the flow of data across different stages of the SLR (Moher
et al., 2009 ). After extracting the articles, each of the 626 papers was given a distinctive ID number
to help differentiate the papers; the ID number was maintained throughout the analysis process.
Alexander Decker Fiscal Rules and Debt Restructuring: The European Union Experience - Country.
This study reinforces the importance of customer relationship management in the highly competitive
banking sector. Achieving a balance among the three elements of a triad is a real challenge for banks’
performance and risk management, which this study addresses. Examining the customer experience
of using banking Chatbots and its impact on brand love: The moderating role of perceived risk. The
variables are selected under the income-based approach. He has successfully completed a research
project on 'financial literacy' sponsored by the ICSSR. Should you feel it necessary to make a
literature request, we will immediately forward your order to our Quality Assurance Department. The
quality of a publication is associated with listing a journal in a database. A case study is on the
finance company limited that has a growth which is constrained. Reliability was found to have direct
association with customer loyalty and both customer satisfaction and loyalty-influenced cross-
buying. Constituted inthe Committee submitted two reports, in andwhich laid review thrust on
enhancing the banking and viability of the banking sector. Figure 4 highlights the concept
associations and draws connections between concepts. Conversational agents in business: a
systematic literature review and future research directions. However, when the quality of the article
is selected based on 50 or more citations, Fadzlan Sufian has only 3 articles with more than 50
citations. Act and this legislation was enacted in response to the failure of more than 9,100 banks
during the. Such a benevolent insolvency cover encourages a bank to be indifferent to its capital
requirements. You can download the paper by clicking the button above. The validity period of Points
is 9 months after they are added to your Credit Balance or activated. Finance is a crucial sector in the
field of financing which is the funding to the customers in order for them to be successful in life.
Banks can face problems in the way they operate in terms of the financial earnings and investments.
The integration of robo-advisors will help customers select a credit solution that they can best qualify
for, and which meets their banking needs.