• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.9
• /
• pp.105-115
• /
• 2020

The study empirically examines the effects of loan portfolio diversification on bank risk and return in the nascent banking market of Vietnam. Loan portfolio diversification is captured through the Hirschman-Herfindahl index and the Shannon Entropy with sectoral exposures. We access each bank's financial reports to collect the required data, especially the breakdown of sectoral loan portfolios, thus constituting a unique dataset. To compute bank return, we use the traditional accounting indicators, including return-on-assets, return-on-equity, and net-interest margin. For bank risk, we utilize the loan-loss provisions and non-performing loans relative to gross customer loans. Using a sample of 30 commercial banks over the period from 2008 to 2019 and the system generalized method of moments estimator for the dynamic panel, we indicate the downsides of portfolio diversification. Concretely, we observe that all diversification measures exhibit significantly negative signs in all regressions across different bank return proxies. At the same time, the estimates display the significant and positive impact of diversification on the non-performing loan ratio. Hence, sectoral loan portfolio diversification significantly hampers bank performance in both aspects of lower return and higher credit risk. The results are robust across a rich set of bank performance and portfolio diversification measures.

• The KIPS Transactions:PartD
• /
• v.15D no.1
• /
• pp.121-130
• /
• 2008

In line with the enhanced weight and variety of electronic commerce in business activities, new type of payment settlement and banking system which will enable to store, create and transfer values from the existing method of payment settlement is highly required. Cyber Banking system draws strong attention being the solution of there requirements. The existing Cyber Banking system has the difficulty of operation, administration, in addition to the problem of initial facility investment of big amount, resulted from the usage of the current business process. As the existing Cyber Bank system is unable to carry out the function of storing, creating, and transferring values due to the adoption conventional credit card system instead of the application of non-stop payment system between the seller and buyer. As a result, current Cyber Bank system still imply the deficiency of non-performing cash payment function on internet. This paper describes (1) an integrated application process, One Process One Input (OPOI) which is essential for software development of the Cyber Bank, (2) an application process of payment settlement system to be applied to the electronic commerce in Internet. And then, with these for a basis, (3) design and implementation of payment settlement system through CyberBank for Electronic Commerce. Consequently, by means of this suggested process, we could attempt to solve the problem of existing Cyber Bank system and further to explore the possibility of advanced Cyber Banking being the non-stop payment settlement system. The effectiveness of this suggested system has been practically confirmed.

• The Journal of Industrial Distribution & Business
• /
• v.12 no.12
• /
• pp.1-10
• /
• 2021

Purpose: Cyber criminals have affected various markets and the banking system has encountered various kinds of cyberattacks. The purpose of this study is to analyze cybercrime that is an emerging threat and investigate the significant contribution of financial literacy and public awareness on cybercrimes. To understand the security issues and the need for corrective steps, the techniques and strategies used by cyber fraudsters in obtaining unauthorized access and use the financial information for purpose of fraud need to be understood. Research design, data and methodology: A sample of 123 banks employees from 12 commercial banks in Malaysia was surveyed. This study differs from previous studies as it surveyed the employees' awareness, and this approach fills in the gap in existing literature. Results: The financial literacy and public awareness have positive impact on organizational performance effectiveness to combat threat of cybercrime. Some recommendations are also proposed from research findings, for banking industry and government regulations. Conclusion: The present study focuses on banking sector so its findings cannot be generalized to other sectors. Linking these topics has created a new study in combating threat of cybercrimes generally, and specifically in Malaysia. The present study enhances the understanding of customers' role to combat the impact of cybercrimes on performances of banking industry.

• The Journal of Economics, Marketing and Management
• /
• v.2 no.4
• /
• pp.1-19
• /
• 2014

The rule of Islam is simple: if you advance a loan, you are entitled to receive your capital only and nothing more. If you wish to secure profit you should enter into a partnership and become a shareholder. Prohibitions against interest are not peculiar to Islam. If we were to trace back through history, a number of examples of such prohibitions can be found in the early Greek, Roman and Rabinnical thought. With the decline of the influence of the Catholic Church interest transactions become legal and stimulated giant Western corporations which forged capitalist imperialism. The practice of charging interest (usury) now dominated Western law and ethics for over a millennium. But, the Western or capitalist economic system has proven a failure in its quest for economic justice, which serves to benefit all in society, both the rich and the poor. In particular, capitalism is currently causing a terrifying scenario of making the rich richer and the poor poorer due to interest charges. An alternative banking model, called Islamic finance and banking, is evoked in this study in order to depress financial exploitation by banking institutions.

• International Journal of Internet, Broadcasting and Communication
• /
• v.9 no.2
• /
• pp.48-57
• /
• 2017

In the last few years, banks have experienced more challenging market than any other times. They need to find new ways to reconnect with their customers and rebuild their trust. But in the race to the future some banks are taking clear lead. Research works show that while high perform leading banks are different, they also share some common characteristics and principles that have allowed them to move ahead to profitable growth. Cost cutting is no longer enough to succeed in tomorrow's world. Instead, the IT function needs to work shoulder-to-shoulder with the business to support the growth agenda. Therefore "C" level's attention is moving from cost reduction towards customer experience, speeding to market for new offerings, analytics and distribution channel enhancements, taking advantage of several levers that will shape the technology agenda for the high performing organization. Next generation of digital core-banking solutions will improve pre-existing capabilities, introduce new innovations and drive qualities such as flexibility and scalability to support time to market.

• IE interfaces
• /
• v.20 no.3
• /
• pp.327-332
• /
• 2007

Because the coins of about 920 billion are hoarded during these ten years, the national treasury of about 35 billion wons is wasted in minting coins every year. In this paper we promote to revitalize the circulation of coins through the connection with the financial world. Firstly embedded software that is contained in the coin banking ATM is developed. Then we developed new business process model that does customer spend coins efficiently in online through this system. The system constructed in this paper can contribute to the public interest and the marketability of the nation because of reducing waste of the national treasury and improving utilization and negotiability of coins.

• The Journal of Information Technology
• /
• v.5 no.3
• /
• pp.97-119
• /
• 2002

It is Study Service Model for Case Study of Internet Bank. With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This Study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.26 no.6
• /
• pp.1513-1526
• /
• 2016

Since finance companies started e-banking services, those services have been diversified and use of them has continued to increase. Finance companies are implementing financial security policy for safe e-banking services, but e-Banking incidents are continuing to increase and becoming more intelligent. Along with the rise of internet banks and boosting Fintech industry, financial supervisory institutes are not only promoting user convenience through improving e-banking regulations such as enforcing Non-face-to-face real name verification policy and abrogating mandatory use of public key certificate or OTP(One time Password) for e-banking transactions, but also recommending the prevention of illegal money transfer incidents through upgrading FDS(Fraud Detection System). In this study, we assessed a blacklist based auto detection method suitable for overall situations for finance company, a real-time based suspicious transaction detection method linking with blacklist statistics model by each security level, and an alternative FDS model responding to typical transaction patterns of which information were collected from previous e-Banking incidents.

• Proceedings of the Korea Contents Association Conference
• /
• 2006.05a
• /
• pp.462-465
• /
• 2006

Now a days the banks, with a wide spread of credit transaction practice in every business, offer better services to their customers, while the automation of banking is being made more rapid progress in th light of efficient banking service. For example, it is true that the automation of cash payment for customers goes on its progress and the competition between companies is getting more serious. Lately the banks that pursue "Banking Automation System" expand distribution of cash dispenser for the better electronic computer service and for the better service for their customers in quality. Therefore the makers producing "CD" accelerate their development of CD in various ways in order to secure M/S as the leading group of th field. CD, a kind of an automatic paying, is being used generally, and has various functions and its design is getting more compact than ever. Under this situation, I studied more trustworthy and convenient CD design suggestions in the way of case study on the basis of the process of developing CD and I suggest the better way of developing the design of CD in the future.

• Journal of Advanced Navigation Technology
• /
• v.25 no.5
• /
• pp.415-425
• /
• 2021

In line with the trend of the digital transformation, the financial sector is providing financial services with new technologies. Among them, the open banking, which is drawing attention from global financial industry, is a service environment that maximizes customers' convenience and data utilization. In addition, the shift in the digital paradigm has also increased anxiety that security problems such as hacking and information leakage caused by data sharing are also concerned. A failure to overcome the negative view will hinder the development of financial services. This study presents a security governance system that can safely and comprehensively manage data in a digital financial ecosystem. This prepares a technical application plan by presenting a digital financial security architecture to field workers, focusing on the open banking service environment. It can be seen that this study is worthwhile by presenting a comprehensive information protection system that allows financial IT to introduce and utilize open banking services in a changing environment.