Technology And Banking

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The Handbook Of Banking Technology

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Author : Tim Walker
language : en
Publisher: John Wiley & Sons
Release Date : 2021-05-24

The Handbook Of Banking Technology written by Tim Walker and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-05-24 with Business & Economics categories.

Competitive advantage in banking comes from effective use of technology The Handbook of Banking Technology provides a blueprint for the future of banking, with deep insight into the technologies at the heart of the industry. The rapid evolution of IT brings continual change and demand for investment — yet keeping pace with these changes has become an essential part of doing business. This book describes how banks can harness the power of current and upcoming technology to add business value and gain a competitive advantage; you'll learn how banks are using technology to drive business today, and which emerging trends are likely to drive the evolution of banking over the next decade. Regulation is playing an ever increasing role in banking and the impact of regulatory change on technology and the management of it are discussed — while mandatory changes put pressure on many of our high street banking brands, their ability to adapt and utilise technology will have a fundamental impact on their success in the rapidly changing marketplace. Technology costs can amount to 15 per cent or more of operational costs and bank leaders need to be able to make informed decisions about technology investments in light of the potential benefits. This book explores the depth and breadth of banking technology to help decision makers stay up to date and drive better business. Assess your current technology against the new banking paradigms Procure the systems needed to protect the bottom line Implement newer technology more efficiently and effectively Ensure compliance and drive value with appropriate technology management Technological change is driven by mass adoption of new channels, innovation from new entrants, and by banks themselves as a means of increasing revenue and reducing costs. The Handbook of Banking Technology offers a comprehensive look at the role of technology in banking, and the impact it will have in the coming years.

Does It Help Information Technology In Banking And Entrepreneurship

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Author : Toni Ahnert
language : en
Publisher: International Monetary Fund
Release Date : 2021-08-06

Does It Help Information Technology In Banking And Entrepreneurship written by Toni Ahnert 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 2021-08-06 with Business & Economics categories.

This paper analyzes the importance of information technology (IT) in banking for entrepreneurship. To guide our empirical analysis, we build a parsimonious model of bank screening and lending that predicts that IT in banking can spur entrepreneurship by making it easier for startups to borrow against collateral. We provide empirical evidence that job creation by young firms is stronger in US counties that are more exposed to ITintensive banks. Consistent with a strengthened collateral lending channel for IT banks, entrepreneurship increases more in IT-exposed counties when house prices rise. In line with the model's implications, IT in banking increases startup activity without diminishing startup quality and it also weakens the importance of geographical distance between borrowers and lenders. These results suggest that banks' IT adoption can increase dynamism and productivity.

Disruptive Technology In Banking And Finance

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Author : Timothy King
language : en
Publisher: Springer Nature
Release Date : 2021-10-31

Disruptive Technology In Banking And Finance written by Timothy King and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-10-31 with Business & Economics categories.

This book exemplifies the potential of FinTech to deliver important economic and societal gains, such as enhancing competition and financial inclusion to deliver tailored financial products and services at more affordable prices and at greater convenience. The emergence of FinTech directly challenges the business models of incumbent financial intermediaries like banks, which are adapting by developing their own FinTech offerings and partnering with FinTech and large technology firms. FinTech also constitutes both known and unknown risks to financial stability and challenges regulators to evaluate whether existing regulations are sufficient. The emergence of FinTech as a global phenomenon requires insightful cross-country analysis and different perspectives to evaluate its development and associated opportunities and challenges. This book will be of interest to practitioners, regulators and students of this essential enabling technology that is a major component of the Fourth Industrial Revolution.

Financial Inclusion Technology And Virtual Banking

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Author : Sau Wai Law
language : en
Publisher: Springer Nature
Release Date :

Financial Inclusion Technology And Virtual Banking written by Sau Wai Law and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.

The Digital Banking Revolution

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Author : Luigi Wewege
language : en
Publisher: Scribl
Release Date : 2017-02-14

The Digital Banking Revolution written by Luigi Wewege and has been published by Scribl this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-02-14 with Business & Economics categories.

Over the past decade financial service innovations have contributed to a completely new way in which customers can bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations. These new technological advancements have facilitated the rapid emergence of digital banking firms and FinTech companies, leading to established banks being forced to swiftly increase their pace of digital adoption to stay relevant and stop mass client attrition to these agile financial start-ups. These threats come at an inopportune time for banks due to mature markets currently experiencing stagnant growth. This coupled with decreasing profit margins due to the competitive pricing of new entrants, and financial customer loyalty becoming ever increasingly more tenuous.

Technology In Banking

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Author : Thomas D. Steiner
language : en
Publisher: McGraw-Hill Professional Publishing
Release Date : 1990

Technology In Banking written by Thomas D. Steiner and has been published by McGraw-Hill Professional Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1990 with Business & Economics categories.

Banking Technology Handbook

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Author : Jessica Keyes
language : en
Publisher: CRC Press
Release Date : 1998-12-29

Banking Technology Handbook written by Jessica Keyes and has been published by CRC Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998-12-29 with Computers categories.

This desk reference for IT professionals in the banking industry provides information about the latest technologies to improve efficiency and security. Topics include imaging electronic exchange Internet-based technologies other automating systems issues affecting all financial service sectors, such as the year 2000 problem Banking Technology Handbook is geared toward all levels of technology management and financial services management responsible for developing and implementing cutting-edge technology.

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.

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.

Does It Help

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Author : Toni Ahnert
language : en
Publisher:
Release Date : 2022

Does It Help written by Toni Ahnert and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with Banks and banking categories.

"This paper provides novel evidence on the importance of information technology (IT) in banking for entrepreneurship. To guide our analysis, we build a parsimonious model of bank screening and lending. The model predicts that IT in banking can spur entrepreneurship by making it easier for startups to borrow against collateral. We empirically show that job creation by young firms is stronger in US counties that are more exposed to IT-intensive banks. Consistent with a strengthened collateral channel, entrepreneurship increases by more in IT-exposed counties when house prices rise. Regressions at the bank level further show that banks' IT adoption makes credit supply more responsive to changes in local house prices, and reduces the importance of geographical distance between borrowers and lenders. These results suggest that IT adoption in the financial sector can increase dynamism by improving startups' access to finance."--Abstract.