Effects Of Technology Progress On Banking
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Effects Of Technology Progress On Banking
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Author : Georg Aumüllner
language : en
Publisher: GRIN Verlag
Release Date : 2018-02-05
Effects Of Technology Progress On Banking written by Georg Aumüllner and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-02-05 with Business & Economics categories.
Essay from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1.0, University of St Andrews, language: English, abstract: The banking sector has experienced drastic changes in the last few decades which were primarily driven by technological progress and bank consolidation. The consolidation has led to fewer branches and greater distance between banks and their borrowers. As a result, the availability of credit to small businesses decreased because banks could not assemble enough information over great distance to evaluate a borrower’s loan application.
The Economic Effects Of Technological Progress
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Author : Allen N. Berger
language : en
Publisher:
Release Date : 2015
The Economic Effects Of Technological Progress written by Allen N. Berger and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
This paper examines technological progress and its effects in the banking industry. Banks are intensive users of both IT and financial technologies, and have a wealth of data available that may be helpful for the general understanding of the effects of technological change. The research suggests improvements in costs and lending capacity due to improvements in quot;back-officequot; technologies, as well as consumer benefits from improved quot;front-officequot; technologies. The research also suggests significant overall productivity increases in terms of improved quality and variety of banking services. In addition, the research indicates that technological progress likely helped facilitate consolidation of the industry.
Advances In Banking Technology And Management Impacts Of Ict And Crm
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Author : Ravi, Vadlamani
language : en
Publisher: IGI Global
Release Date : 2007-10-31
Advances In Banking Technology And Management Impacts Of Ict And Crm written by Ravi, Vadlamani and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-10-31 with Computers categories.
Banking across the world has undergone extensive changes thanks to the profound influence of developments and trends in information communication technologies, business intelligence, and risk management strategies. While banking has become easier and more convenient for the consumer, the advances and intricacies of emerging technologies have made banking operations all the more cumbersome. Advances in Banking Technology and Management: Impacts of ICT and CRM examines the various myriads of technical and organizational elements that impact services management, business management, risk management, and customer relationship management, and offers research to aid the successful implementation of associated supportive technologies.
Effects Of Information Technology On Financial Services Systems
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Author :
language : en
Publisher:
Release Date : 1984
Effects Of Information Technology On Financial Services Systems written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1984 with Banks and banking categories.
Technological Progress And The Geographic Expansion Of The Banking Industry
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Author : Allen N. Berger
language : en
Publisher:
Release Date : 2002
Technological Progress And The Geographic Expansion Of The Banking Industry written by Allen N. Berger and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Bank holding companies categories.
Banking And The Promotion Of Technological Development
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Author : Nicolas Jéquier
language : en
Publisher:
Release Date : 1989
Banking And The Promotion Of Technological Development written by Nicolas Jéquier and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with Bank loans categories.
Trends And Effects Of Technology Advancement In The Knowledge Society
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Author : Lytras, Miltiadis D.
language : en
Publisher: IGI Global
Release Date : 2012-06-30
Trends And Effects Of Technology Advancement In The Knowledge Society written by Lytras, Miltiadis D. and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-06-30 with Computers categories.
"This book brings together academicians, industry professionals, policymakers, politicians, and government officers to look at the impact of information technology, and the knowledge-based era it is creating, on key facets of today's world: the state, business, society, and culture"--Provided by publisher.
Stay Competitive In The Digital Age The Future Of Banks
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Author : MissEstelle X Liu
language : en
Publisher: International Monetary Fund
Release Date : 2021-02-19
Stay Competitive In The Digital Age The Future Of Banks written by MissEstelle X Liu and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-02-19 with Business & Economics categories.
The latest advancement in financial technology has posed unprecedented challenges for incumbent banks. This paper analyzes the implications of these challenges on bank competitveness, and explores the factors that could support digital advancement in banks. The analysis shows that the traditionally leading role of banks in advancing financial technology has diminished in recent years, and suggests that onoing efforts to catch up to the digital frontier could lead to a more concentrated banking industry, as smaller and less tech-savvy banks struggle to survive. Cross-country evidence has suggested that banks in high-income economies appear to have been the digital leaders, likely benefiting from a sound digital infrastructure, a strong legal and business environment, and healthy competition. Nonetheless, some digital leaders may fall behind in the coming years in adopting newer technologies due to entrenched consumer behavior favoring older technologies, less active fintech and bigtech companies, and weak bank balance sheets.
Information Technology And Bank Competition
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Author : Xavier Vives
language : en
Publisher:
Release Date : 2021
Information Technology And Bank Competition written by Xavier Vives and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with Banks and banking categories.
We consider a spatial model of bank competition to study how the development and diffusion of information technology affect competition in the lending market, stability of the banking sector, and social welfare. We find that the effects of an overall improvement in information technology depend on whether or not it weakens the influence of bank-borrower distance on monitoring/screening costs. If so, then competition intensifies and banks are less stable; otherwise, competition intensity does not vary and banks are more stable. In line with recent empirical evidence, we find that a technologically more advanced bank always commands greater market power and is more stable. The welfare effect of progress in information technology is ambiguous when such progress increases the intensity of competition. However, if banks have local monopolies then technological progress always improves social welfare.
Powering The Digital Economy Opportunities And Risks Of Artificial Intelligence In Finance
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Author : El Bachir Boukherouaa
language : en
Publisher: International Monetary Fund
Release Date : 2021-10-22
Powering The Digital Economy Opportunities And Risks Of Artificial Intelligence In Finance written by El Bachir Boukherouaa and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-10-22 with Business & Economics categories.
This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.