Financial institutions - Science topic

I want to use an Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+) as a proxy for financial inclusion , but i face a issue that world bank just have 2011, 2013, 2015, 2017 data only. Does some use face similar issue?

The current technological revolution, known as Industry 4.0, is determined by the development of the following technologies of advanced information processing: Big Data database technologies, cloud computing, machine learning, Internet of Things, artificial intelligence, Business Intelligence and other advanced data mining technologies.

In connection with the above, I would like to ask you:

Which information technologies of the current technological revolution Industry 4.0 contribute the most to reducing the asymmetry of information between counterparties of financial transactions?

The above question concerns the asymmetry of information between such financial transaction partners, such as between borrowers and banks granting loans, and before granting a loan carrying out creditworthiness of a potential borrower and the bank's credit risk level associated with a specific credit transaction and, inter alia, financial institutions and clients of their financial services.

Please reply

Best wishes

Academic incubators of innovation and entrepreneurship are developed at universities to support innovation and entrepreneurship of students. Incubators are also a supplement to the educational program in the field of activating the innovation and entrepreneurship of students. Incubators sometimes also perform functions or cooperate with a career office for students. Career offices collect employment offers and organize internships for students through cooperation with companies and institutions that employ or give practice to students.

Sometimes academic incubators of innovation and entrepreneurship also cooperate with various institutions and companies in which students find employment or take apprenticeships. In addition, academic incubators of innovation and entrepreneurship, cooperating with various institutions and companies, enable the establishment of clusters of innovation, in which various economic entities, public institutions, scientific institutes and universities cooperate with each other. In this way, the possibilities of entrepreneurship development and generation of innovative solutions in assumed and developed research projects and startups are increasing.

Sometimes, also with the innovation cluster or business incubator, financial institutions cooperate, primarily banks offering financial support in the form of preferential loans for developing innovative startups. However, at the early stage of the establishment of business activity by students and organizations, the most important role is provided by substantive support in the field of advising on the formal and legal issues and accounting service of the university, lecturers and employees of the academic entrepreneurship incubator.

Do you agree with my opinion on this matter?

In view of the above, I am asking you the following question:

Please reply

I invite you to the discussion

Thank you very much

Best wishes

At the end of the twentieth century, publications appeared that confirmed this type of thesis and suggested that the development of banking is heading in this direction, ie towards full automation and electronization, remote service through the Internet of clients of financial institutions. However, at the beginning of the 21st century, the situation is changing.

Despite the development of artificial intelligence, intenet of things etc. and the use of new information technologies, eg for the creation of automated electronic advisers, electronic avatars simulating a bank employee or other financial institution providing advice to a client served via a website, some of the bank clients do not want to part with a counselor in the person of a man, not a machine.

In connection with the above, will the social and psychological aspects of interpersonal contacts and customer needs in this matter be a barrier to the creation of fully automated electronic banks without staff?

Do you agree with me on the above matter?

In the context of the above issues, I am asking you the following question:

Please reply

I invite you to the discussion

Thank you very much

Best wishes

Do multinational corporations and financial institutions, including banks and investment funds, play a significant role in generating globalization processes?

In recent years, the importance of supranational large corporations and financial institutions, including banks and investment funds, has been growing.

These large industrial, service, commercial and financial corporations are a particularly important factor in contemporary globalization processes. If such large corporations operate cross-border, cross-border in many countries, including small economies, generate negative processes of globalization, then in these countries reverse and deglobalization processes may appear.

Deglobalization, ie the reverse process to globalization, is taking place most strongly in those economic regions in which globalization processes generate many negative aspects.

In view of the above, I would like to ask you: Do multinational corporations and financial institutions, including banks and investment funds, play a significant role in generating globalization processes?

Please, answer, comments. I invite you to the discussion.

In many countries, a strong correlation was found between the change in the economic and financial situation of enterprises and the credit policy of banks.

The research shows that there is a dependency, correlation between the change in the rate of economic growth of the country, economic and financial situation of economic entities, citizens 'incomes, enterprises' investment, investment risk, liquidity risk, debt, creditworthiness, creditworthiness of enterprises, etc. and the changing the credit policy of commercial banks that provide corporate loans and consumer loans to citizens.

However, in recent years, especially before the emergence of the global financial crisis in 2008, it was possible to diagnose a reverse correlation, i.e. that banks, mainly investment banks in low interest rates activated the entire banking sector, including primarily retail commercial banking to provide subsequent mortgage loans even for borrowers no longer possessing creditworthiness. Credit rating agencies issued the highest AAA recommendations for the loan packages sold, most of which were of low quality and low creditworthiness. Insurance companies insured transactions of very high credit risk. Acting on behalf of banks, the media published articles suggesting a good prospect of economic development, a continuation of good economic conditions, including the real estate market, a further rise in property prices. Many financial institutions, media institutions and investment firms participating in this procedure commonly used unethical business practices.

In the light of the above, the following questions arise:

How should banking procedures be improved to prevent future use of such type of unethical business practices?

How should the processes of improving bank credit risk management be carried out in commercial banks, so that more such situations will not happen again, in order to avoid this type of another global financial crisis?

How strong can be the impact of the banks' lending policy on the situation in the construction sector?

In view of the above, is this impact not too strong in periods of high economic growth, ..., in periods of too high economic growth, overinvested investment projects financed mainly by loans and overvalued securities on stock exchanges?

Please reply

Best wishes

Many scientists suggest that a good way to analyze the level of innovation in action, generate innovation in financial institutions, eg in banks, is conducting surveys among managers and department directors, departments in these institutions.

How should such surveys be carried out? What method of surveys is the most effective? Do online questionnaire forms are an effective instrument for carrying out surveys?

What other research techniques can be used to investigate the level of innovation in operation, generate innovation in financial institutions?

Please reply

Best wishes

Some banks conducting an analysis of the creditworthiness of an enterprise applying for a long-term investment or mortgage loan take into account the issues of climate change, if these changes may affect the business profitability of a specific lending business venture. For example, in the case of a hotel application for a long-term investment loan operating on the sea, the level of which can rise and flood the hotel area.

Another example is a hotel located in the mountains, where winter sports tourists come. Climate change predictions may indicate that 10 years of snow will no longer be the place where this hotel in the mountains provides its services. Therefore, the bank may not grant credit due to the forecasted secondary effects of progressive climate changes and, above all, the rising average temperature.

On the other hand, companies are developing which produce components for new power plants producing electricity as part of renewable energy sources, produce electric car equipment components, e.g. electric motors, batteries, etc. More and more innovative startups are being produced as part of cooperation with large enterprises and renewable energy plants Wind turbine type subassemblies, charging devices for electric cars, etc. Other companies manufacture packaging from recycled materials, recycled or from biodegradable materials.

Other companies are developing innovative solutions for automatic sorting of rubbish. If eco-friendly products become popular and the state creates good institutional, legal and financial conditions for the development of such projects, then the process of implementing sustainable green economy based on the green economy concept will be implemented more quickly and business probes will become more and more profitable. Financial institutions, including banks, will gradually take into consideration eco-friendly processes and business activities of clients in concluded financial transactions.

Do you agree with me on the above matter?

In the context of the above issues, I am asking you the following question:

Please reply

I invite you to the discussion

Thank you very much

Best wishes

What kind of scientific research dominate in the field of global financial crisis?

In my opinion, globalization is leading to the Integration of Business Cycles.

In this way, globalization may deepen economic crises, including the global financial and debt crisis. An example was the global financial crisis, which appeared in mid-September 2008.

At that time bankruptcy was announced by one of the largest investment banks in the world.

As a result of unreliable credit risk management procedures, billions of USD of financial losses have been generated.

It turned out that the unwritten rule no longer works, that "big can not fall". However, it is the emergence of ever larger international corporations and financial institutions that is one of the main determinants of the processes of economic globalization that have been progressing in recent years these processes continue.

(The continuation of these considerations can be found in the comments below).

Do you agree with my opinion?

Please reply

I conduct research in key aspects of this issue. The results of these tests are described in the following publications:

I invite you to discussion and cooperation.

Best wishes

My hypothesis is that from 1980s onwards a neoliberal consensus emerged, favouring a liberal trade agenda and prescribing a reduced role for state actors in governing and managing socio-economic development.

The financial crisis of 2009 and now the Covid-19 pandemic have brought the state back in, bailing out financial institutions with public funds and ordering the closure of large parts of national economies (whilst subsidising income losses and keeping businesses afloat) - seemingly inconceivable developments 15 years ago.

I would be grateful for both: a) literature recommendations and b) further examples of state legislative intervention ('activism' particularly with regards to sustainability regulation and laws).

Many thanks in advance!

Many business companies in internet marketing collect and analyze comments, posts, entries, etc. from social media portals.

It is also done by some financial institutions, banks acquiring additional information about potential borrowers and insurance companies against possible conclusion of insurance contract. Commercially operating companies and financial institutions operate in this area on the border of the law on the protection of personal data.

Until this type of acquisition of information about potential customers is legally regulated, then commercially operating companies and financial institutions will conduct such activity. In addition, the issue of the security of this type of data about users of social media portals is of particular importance, as there have been effective cybercriminal attacks that resulted in the theft of personal data of users of social media portals.

I invite you to the discussion

Taking into account the specific nature of financial activities, including the lending activities of banks and other financial institutions and the growing importance of online banking security and increasingly common IT systems and computerized advanced data processing in Internet information systems, connected to the internet database systems, data processing in the cloud, getting the wider use of the Internet of Things, etc., the following question arises:

What are the common features between managing financial risk and IT risk management?

Please reply

Best wishes

Decentralize finance or Defi is growing fastly, some think it is the future of finance, Defi provides individuals with lots of financial services, i.e. loans, investments, options, assets management, etc. while critics believe that Defi is full of risk, it can't shock financial institutions.

Dear researchers and colleagues,

I hope you are well and in good health.

I wanted to design an individual-level interview protocol for refugee entrepreneurs and eco-system agents (e.g.., government agencies, investors, financial institutions, local development agencies, etc.)

I appreciate it if you can help me with related literature.

Many thanks

Hasan Ghura

I am currently doing my Master Thesis in FinTech and I am thinking of doing my project on the impact of AI and ML on the financial industry but as the impact of these technologies on the industry are vast, however, I need to limit the factors and the objective of the research, which bring the question what is more important today in this industry.

I will be so grateful if I hear answers from you.

I wonder how could these institutions affect bank stability and through What? Where is the link?

Are the supra-national investment investments in investment banking an important factor in the ongoing process of economic globalization?

If the increase in the scale of transnational investment investments in investment banking is faster than the rate of economic growth of the countries expressed, for example, in the Gross Domestic Product, is this the way in which economic globalization can generate additional systemic credit risks?

If in the context of these processes the diversification in profitability and income between investment banking and other types of financial institutions and non-financial business entities increases, can this situation be one of the symptoms of increasing systemic risk and the probability of the next global financial crisis appearing in the next several years?

Please reply

Best wishes

During the last crises the main problems were related to the "demand side". Now the biggest challenge is related to the "supply side" as well. Moreover, among the biggest victims in the past were financial institutions (mainly banks) and business. Nowadays there is a greater possibility that the impact of the disruption on real economy will be much higher. Dou you agree that it is possible that the financial sector will survive the coming crisis in quite good condition whereas the businesses might be affected much more? Please remember that during the last crisis the QE policy exerted very positive impact on stock exchanges. So may be this time will be similar - due to such tools and the regulations (implemented for the last ten years) the financial sector is quite immune, whereas the real economy is not protected and will be much more affected?

Managing the social and environmental impact of financial institutions

Non SQL DB will improve data management and optimize consults in Big Data analysis on financial institutions? Any help will be thanked

Marketplaces have information about 'real and genuine' transactions of buyers and seller - can this be used to raise financing from Banks and other financial institutions - both for consumer and corporate credit?

Hi, I want to measure earnings management in financial institutions (banks and insurance companies), I noticed that in most earnings management studies, financial institutions are excluded....

How earnings management is measured in financial institutions?

Why is the impact of financial institutions inclusion /access and efficiency is positive on Investment but the impact of financial markets inclusion/ access and efficiency is negative on Investment in many developing countries?

I am conducting a dessertation on credit scoring assesment for default risk with particular insterest in using loan data from Nigeria

There are 20 statements about the attitude of the financial institutions towards women entrepreneurs, with Likert and scale.

I am working on a research paper under the title of "Impact of financial development on non-performing loans" in context of financial institutions. Access to finance, Depth of financial institutions and Efficiency of the financial institutions are using for measuring the financial development.

It would be pleasure to hear you people regarding theories which support my research topic.

Regards,

What do you think about the role of international financial institutions in the process of reducing development disparities between countries and in the issue of supporting sustainable development?

What is your opinion on the assessment of the activities of international financial institutions in reducing development differences between countries, reducing income disparities, supporting poorer and developing countries?

Do international financial institutions adequately support investment projects developed according to the concept of sustainable pro-ecological development?

Please reply

Best wishes

Conocen cuales son las principales fuentes de financiación de proyectos de investigación en Colombia, actores, condiciones, enlaces.

Gracias por la recomendación

The issue of corporate governance is very important and directly affects the efficiency of the entity's operation, the relationships between the recruiters employed at various levels of the organization and indirectly also on the relations between business entities and contractors and clients. Corporate governance is therefore particularly important in terms of the long-term development of an economic entity, also in terms of its successes in the competitive game and the holding of specific positions and shares in the markets of the sold product or service offer.

In my opinion, most parameters in the area of ​​corporate governance research in enterprises, companies, corporations and financial institutions are the same but not all. The same are those that relate to the issues of analogous models used, concepts of managing the entire organization, personnel management, offer, marketing, innovation, relations with contractors, shareholders, clients, etc. In contrast, differences arise in terms of specific differences regarding accounting, specificity business activity, risk analysis, prudential procedures used, IT technologies that support the operation of individual departments and departments, the specificity of the work positions of the staff employed, etc.

I invite you to the discussion

If someone in your country thinks about innovative new types of products or services, technological innovation, and innovation in the field of Pre-idea 4.0, is there no problem with finding external financing, i.e. obtaining financial capital for the implementation of this developed innovation?

What types of external financing sources dominate your country in terms of financing the development of innovative startups?

Please, answer, comments. I invite you to the discussion.

Has the upgraded computerized Business Intelligence analytical platforms been implemented in the credit risk management systems of financial institutions?

Please reply.

The sector of micro enterprises and small and medium-sized enterprises, i.e. SMEs in contemporary economies of developed countries, usually has a particularly important role for the effective development of the national economy.

Usually about 90 percent. or more economic goods, income etc. is created in this sector. The share of this sector in the Gross National Product of the domestic economy is similar.

But this situation is not identical in every country. In addition, the growing importance of cross-border trade and capital transfer can change the importance of this sector in modern economies.

This is mainly due to the growing importance of supranational large corporations and financial institutions, including banks and investment funds.

These large industrial, service, commercial and financial corporations are a particularly important factor in contemporary globalization processes.

In view of the above, I would like to ask you: Does the share of the SME sector in your country increase or decrease in the domestic economy as a result of globalization processes?

Please, answer, comments.

I invite you to the discussion.

Dear Friends and Colleagues of RG

The issues of globalization of financial and banking systems are described in the publications:

I invite you to discussion and cooperation.

Best wishes

Do we need to have "only" one set of Accounting Standards for Islamic Financial Institutions? Considering a number of different schools of thought in different countries.

Antivirus programs signal this, but are the new attacks appearing, or maybe the companies that produce antivirus software use this kind of alerts mainly to stimulate consumers to buy these applications?

Is the information about the growing threat from the activities of cybercriminals also partly a result of marketing activities of antivirus software vendors?

Cybercriminal attacks involving various types of viruses occur on a daily basis in various places around the globe.

However, large-scale attacks on the global scale and publicized in the media are probably much rarer.

An example was the type of cybercriminals, which was carried out on a large scale in mid-2017, which was mainly targeted at large public and financial institutions and corporations operating in Ukraine, but quickly spread over the world through capital and business links between companies.

Then ransomware viruses known only often in the environments of security specialists, among computer scientists analyzing cybercriminal attacks, has been publicized in the media in many countries and has become a global and public problem.

In this situation, sales revenues and profits of companies producing antivirus software are growing significantly.

Recently, some of these antivirus programs inform that the threat of cybercriminal attacks involving ransomware is growing.

Is it a real increase in the risk of cybercrime or a new form of marketing for companies that produce antivirus software?

Or both?

Please, answer, comments. I invite you to the discussion.

I want to find if there is any statistically significant increase or decrease in a variable over the years. For example if the variable is Financial Revenue of any financial institution. I want to do statistical analysis of change in its value over a period of say three years or five years. What statistical test will be appropriate?

In Hong and Kacperczyk (2009) Table 3 Panel A, results suggest institutions favor stocks with high market betas and dislike stocks with high daily return volatility in the US. However, to my understanding market beta and return volatility are highly correlated firm characteristics. When I run similar regressions using similar methods, but using other data, I also obtain an institutional preference for high betas, but low return volatility. Favoring high betas seems to indicate risk-seeking behavior, while disliking high volatility seems more like risk-averse behavior.

Can someone explain these opposing attitudes of institutions?

Thanks in advance.

Kind regards,

Alyssa Jourdan

My current research is about financial and institutional analysis of vegetable cooperatives in Dhading. I have used a scoring system to calculate the cooperative performance index for institutional analysis, reviewed their financial statement and have the production and sale data of the vegetables marketed through cooperatives.

What approach do participants in the copper industry take to make long term copper price forecast for project investment purposes? Is relying on the forecasts of firms that perform fundamental analysis a reliable source? Are the forecasts of financial institutions reasonable and unbiased? Is some approach that assumes a growth rate in line with world growth (or population or urbanization) appropriate? Is the consensus forecast from mining analysts typically used in M&A deals a fair estimate?

Financial Institution operates often in remote ares that may be unsafe and require reliable security infrastructures.

This is the topic I am going to use in my dissertation and I need some help finding resources on this topic. Can anyone help with references for this topic

The impact of automation is not going to happen in future - it is right here now! In this regard, how can we educate our kids/students/learners meaningfully without letting their time go to waste?

"It's the crest of a digital wave flooding through banks, financial institutions, accounting and law firms, and if you're doing a white-collar job that deals with information, you're in for a bumpy ride." "In his view, automation and software that analyses information and makes decisions will transform the business landscape — doing jobs that, until recently, required well-paid "knowledge workers"."

Commonwealth Bank of Australia (CBA- the largest bank in Australia) saga continues with its admission of money laundering allegations along with some additional/amended allegation being introduced by the regulator.  With the possible penalty is summing up to over 900 billion dollars, where would this go/end?

Lot of time, money and efforts are invested by various government bodies and private associations to conceive, float and confer the entrepreneurship awards. In Indian context, the entrepreneurship ecosystem, consists of following:

It is worthwhile to understand if these awards work beyond the level of sensitization and contribute to the part of whole of entrepreneurial ecosystem in sustained manner.

I am doing some research in profiling such farmers through interaction with their families and using some other qualitative research techniques in Punjab. Through this I aspire to build a prediction model for financial institutions or other credit agencies so that they could identify the high risk profiles and reduce delinquency and also discourage unproductive borrowings. If any similar work has been undertaken or some model is being used by credit agencies then I would be glad to know about them. 

To measure cost and profit efficiency of financial institutions using DEA, what free software can be used? 

If you have such information please share it with me.

Thank you in advance

Alma 

I am looking for articles related to sources and uses of charity / charitable fund managed by Islamic banking / financial institutions. 

Note: It is not about Zakat.

i.To what extent does physical proximity to financial institutions affect financial inclusion among the targeted members/low-income population?

 ii.What are the available financial services and innovations and how effective and sustainable are they in enhancing financial inclusion among the demographic differences of members/ low-income population in the selected SACCOs?

iii.What is the level of financial literacy and capability existing among the people on the various available financial services and products and how does financial literacy and capability impacts on financial inclusion for inclusive growth?

iv.How consumer protection does influences financial inclusion for inclusive growth through SACCOs in Uganda?

 v.What enabling environment exists in Uganda and changes that will enable SACCOs to take an active part in the financial inclusion for inclusive growth and emerge as sustainable, transparent and accountable member-based financial organizations?

vi.How does, financial inclusion leads to inclusive growth (members’aggregate welfare improvement) in Uganda?

vii.To what extent are the expected outcomes of financial inclusion for inclusive growth through SACCOs available to members/low-income population?

Why don't we legalize the moneylenders.. as financial institutions. This will also solve the problem of financial inclusion to a large extent. 

On one hand, Government wants to replace moneylenders through establishment of formal financial institutions and still they exist? why?

I have so far written approximately half a dozen published articles about inter-organizational IT governance. The paper of Steven De Haes and Wim Van Grembergen was published in the ISM Journal in 2009 (Vol 26). The article investigated the use of divergent IT governance practices (33) and also outlined 10 most effective practices as identified by IT experts. Seven of those 10 practices were widely used by 13 financial institutions.

In the opinion of Steven and Wim, the 7 practices defined the baseline of ITG practices (in the financial sector in their home country) for intra-organizational contexts. Have you written and/or articles on what such practices could be in inter-organizational contexts? Or, would you be willing to consider a joint research and papers addressing this issue, especially if you have access to relevant data?       

Public banks towards lending credit or loan to poor

Theoretically one can argue that there can not be any financial institution like banks in Islamic economics paradigm as the real sense of existing banking practice contradict with the fundamental Islamic finance principles. The debate on whether Islamic banks ever be Islamic has been going on since the inception of the first Islamic bank in Egypt, Mit Ghamr. So, what's the current position among academics and practitioners after 5 decades of tremendous development in Islamic Finance. 

Hello,

I am currently writing a master thesis on the 4th Anti-Money Laundering Directive which increases compliance costs to banks and other financial institutions. I would like to discuss the proper way to analyze this issue from the Public Choice theory perspective. I would be grateful if you could share any useful insights or literature!

i am currently doing a research on mobile banking services in the Fiji Islands...and i need your views on this!!

A questionnaire of work place satisfaction of Banking Industry

Why transparency and risk management are important? What is the role of transparency? What are the effectiveness of risk management?

Nepal is planning for reconstruction processes which overcome the bad structural health that introduce damages during Gorkha earthquake (Mw>7.8 ) that happened  in 12 of April 2015, killing many lives. The mushrooming cooperatives and micro finance companies exist in almost all district and village development committee. However, the financial resource mobilization as a government grant increase dependency as well as deficit for the individual house construction. Undoubtedly, people stop working. Spend time looking for the humanitarian aids, leaving agriculture field barren and consuming toxic drinks from installment support package for housing. In this connection the self dependency should structured within community by the community based financial institutions. The financial mobilization by micro- finance  institutions definitely decrease parasite living culture and encourage integrated finance which gives financial sustainability by community groups. Hence, i ask to the experts how  Nepalese communities will benefit from community finance for reconstruction in Nepal in the current situation.

I need a program (software) that can estimate the efficiency of financial institution by employing stochastic frontier approach (SFA) (parametric method). The software program can be free or otherwise. thanks for help. 

Which corporate governance mechanism would you use the most for monitoring the performance of a financial institution?

Am interested in models that have worked in different contexts whether they are supported by government, donors/NGOs, Banks and other financial institutions, Venture capitalists, philanthropists etc

Is it fair to assume we have now crossed the rubicon and things are more tune with steady progress now and for another decade or more to come? While AIG and GM seem to need more help in the USA, banks have been building new markets. European banks of course seem to be hit because of the lack of viable collateral and fast closing avenues of fresh equity. Also maybe the use of Contingent Capital is not fair and Europe is actually headed for more trouble within banking?

Our team is quantifying the amount of global fiscal support that the financial sector receives. The estimate will examine the full range of direct and indirect fiscal support for private financial services sector, including fiscal incentives for savings and pensions, bank deposit insurance, implied support for systemically important financial institutions, fiscal incentives for green investment, and tax structures that provide incentives for various assets and trading activities.

I wonder whether there exists (even a young) theory of financial regulation in the sense of "how to regulate a financial institution/system in an optimal manner"? I mean, there is experience about several situations which came across in the past, like bank runs, liquidity shortages, insufficient quality of regulatory capital etc. resulting in a crisis and, thus, representing a deviation from the optimal functioning of the financial system. This is then addressed by a regulatory reform which is designed to avoid exactly the experienced situation again in the future, i.e. it is specific to the current problem at hand. Is there something more general? The current approach focuses on ex-post fixing crucial issues, but does there exist a formal normative model or theory about regulating systems like the financial system?

So far, I didn't found something about that but maybe others have?

If not yet, maybe there exists some theory about other kinds of systems which one could apply in a modified version like Cybernetics for mechanical systems or the like?