Banking - Science topic

Find the enclosed

I think Dynamic panel model will be easy solution.

I am interested

Dear Ana Marianou,

In response to the above query, I give my proposed thesis topics on sustainable finance (e.g. in the banking industry from a legal and financial perspective):

1. Determinants of the development of sustainable banking, including green lending in the financing of pro-environmental business ventures.

2. Normative and systemic determinants of the development of sustainable investment banking.

3. Sustainable finance as an important factor for the smooth implementation of the pro-environmental transformation of the classic growth, brown, linear economy of excess to a sustainable, green, zero-carbon zero-growth and closed loop economy

4 Identification of the determinants of green, sustainable finances implemented by companies and firms taking into account the sectoral analysis of the economy.

5. Comparative analysis of sustainable finance developed within the commercial and public financial system.

6. Green, sustainable finance implemented within the public financial system as an important factor of pro-environmental state interventionism.

7. green, sustainable finance as an important factor in the new green mission of economic actors developing pro-environmental business ventures.

8. Green, sustainable banking as a new trend in the development strategy of modern banking.

9. Systemic and legal determinants of the development of green, sustainable finance and/or banking taking into account business and political lobbying.

10. Changes in the provisions of national legal normative defining the opportunities for the development of green, sustainable finance against the background of international regulations.

Best regards,

Dariusz Prokopowicz

Dear Yesui Myalsuren,

I propose the following topics for undergraduate theses in digital banking:

1. The impact of the SARS-CoV-2 (Covid-19) coronavirus pandemic on the development of digital banking (taking into account the growth factor of digitisation and internetisation of economic processes).

2. Analysis of the determinants of the development of cybercrime operating within digital banking.

3. Improving cybercrime risk management in digital banking.

4. Key determinants of the opportunities for the development of lending activities and the offering of bank loans via the Internet under the development of digital banking.

5. The impact of digital banking development on the question of the role and importance of central banking in the context of the state finance system.

6. The development of digital banking as an important factor in the development of payments and settlements made via the Internet.

7. Determinants of the development of online banking and banking products and services offered to customers remotely via smartphone as part of mobile banking.

8. Improving the procedures for the analysis of a potential borrower's creditworthiness and the bank's credit risk applied in commercial banks developing digital banking.

9. Analyse the correlation between the development of ICT, Internet and Industry 4.0 information technologies (Big Data Analytics, Blockchain, cloud computing, machine learning, Internet of things, artificial intelligence, Business Intelligence, smart technologies, digital twins, etc.) and the development of digital banking into which new technologies are implemented.

10. The impact of the development of digital banking on the level of citizenbanking in the country.

11. Opportunities for business development operating in the fintech formula developed in digital banking.

12. The impact of the development of digital banking on the development of foreign exchange markets and on the development of the derivatives market offered to customers remotely via the Internet.

Best wishes,

Dariusz Prokopowicz

What do you mean by allocate? Any way you have to look to the paper of Christopher Baum about GMM on STATA, it's a really good guide.

Thank you so much dears Sabri Hasan Onipe Adabenege Yahaya for your help..

kind regards,

Dear Nicole Chiuriri from the perspective of companies, the great advantages of electronic banking over traditional banking are:

time gain, i.e. dealing with many matters via a computer without the need to move,

lower costs of banking services, because internet banks are cheaper to operate, a wide range of services and a constantly expanded range of services via the Internet.

Thanks to the electronic signature, it is possible to sign contracts with the bank, very quick and easy-to-use payment options from an online bank account, and finally, the possibility of comparing the banking services of different banks in terms of prices and product scope also via the computer, which allows optimization of the costs of financial services.

Best regards

Dear Kheira Boukhari,

I propose the following current and developmental research topics in the issues of digital banking, Fintech, etc .: Analysis of determinants of acceleration of digitization and Internetisation of economic processes, development of e-commerce, e-logistics, purchases made on the Internet, online payments and settlements, development of internet and mobile banking during the SARS-CoV-2 (Covid-19) coronavirus pandemic. This topic can take into account the increased competition between internet banks and technological companies operating on the internet, which develop their own internet payment and settlement systems. In addition, this issue can also include the growing importance of information and internet technologies and Industry 4.0 in the context of the ongoing digitization of economic processes, the internetisation of finance and banking, etc.

Kind regards,

Dariusz

You might be interested in considering whether fintech (on-line only) financial institutions are substitutes for or complements to traditional high street banks.

Dear Atiqur Rahman, I would like to give you an example from my Polish market and my experience as a business analyst. Well, at the turn of the 20th and 21st centuries in my country, you could see a lot of small and medium-sized companies with a very high rate of growth in revenues and market shares. In many cases in small family businesses, as a result of the investment process and implementation of new technologies, work efficiency increased quickly, but what I found many times when analyzing these "star" companies, such rapid successes in terms of the dynamics of revenue growth, market share and EBIT operating profit caused new challenges and the emergence of internal problems in companies as well as reactions / counter-actions of stronger competition on the part of large international corporations. Well, the best employees who contributed to the increase in the labor productivity index and were directly involved in departments using modern technologies, immediately demanded or expected a salary increase or promotion to a higher position or left the competition. On the other hand, the management of such small family businesses, stating that the company is developing very well because its work productivity increases, immediately tried to use these positive signals to win new orders and to workload its experienced and efficient employees to an even greater extent. Therefore, according to the theory of neoclassical microeconomics, small, fast-growing companies in Poland tried to expand the use of the labor factor, the productivity of which was increasing and overburdened employees with work duties (one of the highest rates in the world of the number of hours worked per month and year per employee according to ILO). This means the macroeconomic environment, that is: high unemployment on the market, low level of social benefits, no possibility (before joining the European Union in 2004) to emigrate to another labor market with better social protection and higher salaries per hour. Entrepreneurs who started using strategies to maximize the use of the labor factor accepted too many new orders and borrowed from banks, taking high-interest loans (high loan costs) and were doing worse and worse in rebuilding the company and adapting to the new conditions of a higher level of production. The news about "squeezing" out of employees as much as possible, while the employer did not raise wages and bonuses, meant that employment in such a company was avoided (employment barrier) and such a company began to lose the most ambitious and experienced people and problems with handling large orders, based on deferred payments in time (typical are construction and assembly works, infrastructure projects). Problems with financial solvency also emerged quickly, as the focus on maximizing the use of the labor factor with high indebtedness in terms of investment loans led to problems with paying the loan installments on time.

Best regards DG

Good luck with your research!

Hi Minh,

Here is some useful information from the Reserve Bank of Australia about shadow financing in China 2020. Additionally, I have included another helpful and recent link, please take your time to have a look at both of them, hope this helps and all the best with your research work. Cheers

Kind regards,

Sofiane

I am google translating your comment here!

Banks are just pawn shops, while financial institutions are credit guarantee applications. However, these are now the product of "Money Appreciation Transactions". When the world trades in currency, a model of value-added transactions has been formed. For the purpose of adding value, there will be many financial products, and various regulations are a way of playing. Currency will be aggregated. Although many financiers, entrepreneurs, and economists will conduct overall management in the process of gathering money, the shortcomings are also very obvious. Benefits are more important than effects. Visionaries are the minority after all. Most go for the value-added part. Self-control has been lost. also fell into it. Under the pyramid model of money, no one is free. All will be affected by currency and become puppets of huge pressure. Therefore, for the sake of oneself and the freedom of everyone, it is necessary to analyze and study the essence of the entire currency system. Find ways to give everyone super freedom. It is not the right to the monetary pipeline that is more fulfilling and status than the kind of material possession we have now.

Yes, you can do.

Mousumi Bhattacharya

Md Hamid Uddin

Kokou Adalessossi

thanks. well noted

Dear Syed M Raza Shah positive Coefficient 25.56 also implies the same. A decrease (fall) in the independent variable results in a decrease (fall) in the dependent variable. Still, the coefficient is positive since the relationship is positive. A positive relationship means the direction of the two variables is same.

Dear Denis Muchunku, Haseeb Javed,

Yes. Internet advertisements are used more and more often in advertising campaigns also by financial institutions, including commercial banks presenting their offers of banking products and financial services as well as internet mobile banking offer. During the SARS-CoV-2 (Covid-19) coronavirus pandemic, the development of electronic internet banking, including mobile banking, accelerated. Therefore, commercial banks have recently been developing mainly online mobile banking for citizens, individual clients and business entities. Recently, many banks have been conducting advertising campaigns using new online media, including social media portals, to promote their online banking offers, also offered to companies and enterprises. Banks offer the opening of an online banking account primarily for business entities from the SME sector that do not yet have a mobile banking account, do not have their own website, are startups, etc. In promotional online banking offers for companies and enterprises from the SME sector, commercial banks offer additional incentives and incentives. auxiliary services creating a website for the company, creating an online platform for selling products and / or services of the client's enterprise, creating an online store, they also offer tax advisory services, financial advisory services, etc. Banks more and more often offer their financial services through social media portals, because of the research conducted market know that their customers are increasingly actively using these new online media and that these online marketing communication channels can be the most effective.

Thank you very much,

Best regards, Greetings,

Have a nice day,

Be safe and healthy,

Dariusz Prokopowicz

Dear Mr. Doffou!

You raised a relevant topic to consider. The answer is case (country) - and context (regional agreements such as the ones in the EU) dependent one:

1) Nigmonov, A., Shams, S. COVID-19 pandemic risk and probability of loan default: evidence from marketplace lending market. Financ Innov 7, 83 (2021). https://doi.org/10.1186/s40854-021-00300-x Open access:

2) Mathieu Simoens, Rudi Vander Vennet 2022. Does diversification protect European banks’ market valuations in a pandemic?, Finance Research Letters, Volume 44, January 2022, Available at: https://www.sciencedirect.com/science/article/abs/pii/S1544612321001744

Yours sincerely, Bulcsu Szekely

Dear Professor Neema Ghenim ,

I thank you very much for your kind appreciation.

Yours sincerely,

Gianluigi Segalerba

بالتأكيد هناك طرق لقياس سمعة المصارف

Hereby I would like to propose the following research topic: Information policy of the central bank versus the reputation and credibility of the key financial system security institution. In a situation where the central bank, in its ultra-liberal and mild monetary policy and correlated with the government's economic policy, becomes too deeply involved in political and media issues, it begins to lose its positive image. Currently, in the country in which the president of the central bank operates, i.e. the National Bank of Poland, when seeking re-election, he conducts a kind of "election campaign" in the meanstream, pro-government public media, constantly announcing what patriotic and pro-development activities the central bank plans to implement in the coming years. These promises were already promised, such as direct financing of the armed forces, financing the construction of the first nuclear power plant. In addition, such statements of the NBP president at press conferences that the employees of the central bank defend the economy most patriotically, that the central bank is independent of the government, that NBP analysts may also be wrong, that issues regarding the economy and inflation are extremely complex, etc. NBP from the point of view of international financial institutions. To this should be added a policy of not increasing the financial system's safety reserves, consisting in the fact that every year, almost the entire profit of the central bank is transferred to the state budget burdened with high public debt, instead of supplying the reserves of this bank. In the event of a global economic or financial crisis, the exchange rate of the national currency was declining, and after the economy exited the recession, it did not rise adequately, it did not return to the levels from before the crises. By carrying out non-transparent public transactions on international financial markets, the central bank additionally lowered the value of the domestic currency, and the NBP governor explained at press conferences that it was done on purpose to improve the profitability of exports, not to mention, however, that in this way the central bank generated above-average profits at the end of the year. which was then transferred to the state budget. At the end of 2020, NBP was deliberately weakening the domestic currency in order to generate a greater profit for NBP at the end of the year and for the entire fiscal year 2020. NBP admitted it on Twitter and this post quickly disappeared from Tweeter. The idea was for the greater profit from the NBP to go to the state budget burdened with the budget deficit increased by the Anti-Crisis Shields used. In addition, at the expense of citizens, at the expense of foreign currency borrowers, the central bank in Poland transfers its extraordinary profits generated on speculative transactions on international financial markets to the state budget instead of supplying the central bank's reserves and building a more secure domestic financial system. Are there other examples of this kind of parody in the context of a central bank's monetary policy?

Best regards,

Dariusz Prokopowicz

~ The impact of the blockchain technology on the disclosure and transparency of financial data in commercial banks

The problem you have is the one of model calibration. The Altman Z-score model, as it is right now, is outdated because its parameters are no longer relevant to the realities of today's banks or financial institutions. To be able to effectively use the model today, you must first recalibrate it, that is re-estimate all the parameters of the model with today's real data. To have stable parameter estimates, you should use out of sample data in your estimation. Once the Altman Z-score model is properly calibrated, it can be used to measure the stability of a large sample of banks and come out with a new stability metric or rule for banks.

Event study

Dear Hazim Al Dilaimy,

Thanks and invite you to the discussion. I propose the following research topic in the field of improving credit risk management: Improving the credit risk management process in the context of the decline in lending and the decline in economic activity of enterprises caused by the economic crisis of 2020 caused by the SARS-CoV-2 (Covid-19) coronavirus pandemic.

Thank you very much,

Best regards,

Dariusz

Dear Nelaturi V Raghavaiah,

Yes, that's right. The lending policy of commercial banks is cyclically modified, inter alia, in correlation with cyclical, long-term trends of changes in the economic situation in specific industries and sectors of the economy and in the context of the entire economy.

Thank you,

Regards,

Dariusz

Respected Doctor

We researchers should offer our thanks to you, and to every researcher who presents us with an accurate scientific question.

greetings

Senior lecturer

Nuha hamid taher

Sure economic globalization raflect on financial system by exchange of experts,workers,agriculture,industry ,.......all aspects of production and energy beside means of transport all these constitue a huge progress on production and consumption .All these different aspects complementry to each other which reflects positively on the financial system

The SPSS and R are both better for statistical data analysis, whilst MATLAB do almost every thing. Once you get good base/concept of MATLAB, you may be able to write your codes for almost every thing. MATLAB is most scientific, much better for Mathematics, Statistics, all research/application areas of Artificial Intelligence Engineering and medical. In one sentence::: MATLAB is ALL in ALL, very simple and easy to understand, however., it may need good base of basic intermediate Mathematics. I strongly recommend MATLAB. You can do very good object oriented programming or codes related to finance or other social sciences as well.

DISCUSSION_D.Prokopowicz_....The significance of banks' lending policy....economic situation...national economy and credit risk lev

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Zhu, R. (2015). An Initial Study of Customer Internet Banking Security Awareness and Behaviour in China. In PACIS (p. 87).

During the SARS-CoV-2 (Covid-19) coronavirus pandemic, interest rates were significantly lowered in 2020 as an instrument of interventionist, mild, anti-crisis monetary policy. However, now (October 2021) economic growth is so high and inflation is also increasing additionally that central banks have started to raise interest rates again.

What do you think about it?

Thank you very much,

Best regards,

Dariusz Prokopowicz

Dear Dr. Dariusz Prokopowicz ,

Recently, there is a tendency to affirm that bitcoin will not be admitted as a payment currency for an “ecological” reason, that is, due to the high energy consumption that mining the cryptocurrency carries. At the same time, it seems that clients of investment banks no longer have the same interest in cryptocurrencies.

See the following link:

Good point. Customers also need to act with due caution.

To resolve disputes between parties in an alternative way, a way which is far more economical and also it saves time, so the parties involved can reach an agreement which is convenient to both sides. The advantage in this case, is that the judicial system it is already overwhelmed with all legal cases, so one less case here, one less case there, proves to create concrete results for a short time for the parties which reach a final agreement. And it is legal also, so, it is a win-win situation.

Hi Dariusz Prokopowicz . I hope the following link could help:

Recent financial and economic crises have shown that the interventionist, anti-crisis, lenient monetary policy consisting in lowering interest rates and the intervention purchase of lost assets from commercial banks from commercial banks (lost and worthless loans, junk securities) with the highest level of credit risk turned out to be effective as an instrument of anti-crisis policy, the aim of which is to limit the scale of unemployment growth, decrease in liquidity in the financial system, limit the scale of economic recession, etc. I described these issues in my publications on my Research Gate profile.

What do you think about this topic?

I invite you to the discussion,

Thank you very much,

Greetings,

Dariusz Prokopowicz

Dear Emmanuel V Murra,

Thanks for the kind words and positive recommendations of this discussion, in which the debaters formulate their answers to the question: How do you assess the role of central banking in the field of anti-crisis measures in the event of financial and currency crises?

Greetings,

Dariusz Prokopowicz

you can search in head banks know

Technology by E and I transaction

Like your country also have head bank from their you can collect it

yes i agree

Business, banking, and financial organizations in the USA and Europe are very closely related to Fintech. This is no longer just a connection, but a symbiosis of technology, finance, and commerce. According to the research by IndustryARC’s market analyst, the Fintech market volume exceeded $150 billion last year and continues to grow.

That is, in today’s article we’ve made the research on such related questions:

Yes, banks need fintechs to advance technology in banking and finance. Bank staff will not have the capacity to introduce the latest financial technology, except in partnership with these fintech companies at principal level relationship either as a partner or shareholder.

My opinion:

1) Matlab is an academic tool. It requires a license, and is not widely used by in quant research outside of academia. That being said, a large fraction of academic research papers in finance use Matlab (including many of my own), but this number is shrinking.

2) While R is great for the statistics community, it is quickly waning in popularity in Finance, and is being actively phased out by many financial/ML research groups, including mine (the code is hard to maintain and debug, and encourages many bad coding practices that make life miserable later on). It has some great functionality, e.g. its data frame functionality/intuitive interface destroys pandas in python, and is typically faster, plotting is easier, etc.

3) Stata is used almost exclusively by econometricians and statisticians (it is the first "language" I learned, and the first one I ditched, for "R"). Its use beyond standard statistical analysis is rare, and its usefulness for finance in general is very limited.

4) Python is the horse I bet on for RnD in Finance. Its functionality out of the box is hard to match. It's paradigm is OOP (yet supports scripting, if you must), it is expressive and understandable, reasonably maintainable for a dynamically typed language, and has a massive community at its back. It's plotting functionality is tolerable, as is it's performance (for RnD). It is rapidly becoming the standard for Machine Learning research, mostly due to sklearn/pytorch/keras/tensorflow and its ability to support data-driven application development (ie 99% of Machine Learning). It is weaker than R in statistics, but unless you are on the bleeding edge of stats research, it's unlikely you will need much more than it already offers. Python has its flaws, but is a pretty good choice overall. Not to mention PyCharm is one of the best IDEs ever created (and it's free).

Also check https://ideas.repec.org/a/ora/journl/v1y2019i1p107-113.html

Dariusz Prokopowicz In my experience, bank employees are needed less and less banking applications, mobility, online services and even financial and credit analyzes are performed using artificial intelligence.

In the area of ​​cybersecurity of online banking, I propose the following research topic: Analysis of the use of Industry 4.0 technology in the field of improving cybersecurity of online banking, including mobile banking. This topic may also take into account the scale of application of cybersecurity rules and recommendations by bank customers and the level of cybersecurity of operating systems used by bank customers, web browsers and other Internet applications installed on laptops and smartphones, through which bank customers use online banking.

Best regards,

Dariusz Prokopowicz

A good example is when regulatory changes that affect customers need to be communicated accurately and quickly to frontline staff and to customers.....of course, the people involved have to be comfortable with technology and not rely on obsolete oral communcation preferences

Vous trouvez les evaluateur parmi les references de votre travail soumi

The SARS-CoV-2 (Covid-19) coronavirus pandemic increased the scale of using the Internet in business activities, increased the scale of the development of e-commerce, online shopping, online settlements and payments. Therefore, I propose the following research topic: The impact of the SARS-CoV-2 (Covid-19) coronavirus pandemic on the development of online and mobile banking.

Best wishes,

Dariusz Prokopowicz

It happens that commercial banks, when verifying the creditworthiness of a potential borrower, view customer profiles on social networks, treating the information on these profiles as an additional source of customer data. Are such banking practices ethical in terms of business?

Thank you, Regards,

Dariusz Prokopowicz

Big Data Analytics database and analytical technology can be helpful in the process of collecting and processing large sets of information and data on potential bank customers, including borrowers, enterprises being bank customers, data describing the economic and financial situation of enterprises and factors in their market, industry and competitive environment. etc. In this way, Big Data Analytics technology can be helpful in the context of improving the processes of analyzing the creditworthiness of potential borrowers and in terms of improving the credit risk management process.

Best regards,

Dariusz Prokopowicz

In the context of this discussion, the key research issue is the analysis of the correlations between the development of online and / or mobile electronic banking and the growing importance of improving the cybercrime risk management process. Therefore, another question arises: Due to the dynamic development of online and / or mobile electronic banking, is the importance of managing the risk of cybercriminal attacks on electronic banking systems and bank information systems also increasing? Therefore, do banks already spend more on the above-mentioned improvement of the cybercrime risk management process compared to other, more classic risk categories in banking?

Thank you, Greetings,

Dariusz Prokopowicz

The following paper talks about fraudulent transactions in credit cards which resulted in USD 3 billion loss to North American banks and other financial institutions; you may want to check it out:

Deep learning detecting fraud in credit card transactions‏

A Roy, J Sun, R Mahoney, L Alonzi… - 2018 Systems and …, 2018‏ - ieeexplore.ieee.org‏