Essays on Banking

A confluence of six trends makes it important for banking, and risk in particular, to undertake a deep, systematic digital transformation. The first four affect the entire bank: more demanding and ever-rising client expectations, greater competitive pressure, growing cost discipline, and an emerging ecosystem of...

Based on the review of over 100 journals the authors concluded that applying different data mining technique for managing risk, fraud detection and CRM in the banking sector has been successful though there has been exception on big data because of different variable features. The...

The recent global financial crisis highlighted the importance for supervisors andregulators to ensure that banks are equipped with both the sufficient amount andsort of capital. The liquidity crunch that occurred during the crisis showed that solvent banks can fail due to a sudden drop in...

António Horta Osório, economist, professor, and banker was born on January 28, in 1964, in Lisbon. He graduated in Business Administration and Management from Universidade Católica Portuguesa. At the end of the last year of his degree, he joined Citibank in Portugal where he was...

Private banks nowadays use control systems on their business especially on their vault. Internal control is a wide term with a wide coverage. It covers the control of the management system in order to carry on the business of the enterprise in an orderly and...

Banks constitutes a significant bond with a nation’s economic structure and thus their prosperity and wealth is critical for a healthy developing nation. Dramatic shift of financial markets is proof of remarkable makeover of Indian banking industry. Also globalization has added enhanced competition and consequently...

Shadow banking gradually formed after the subprime mortgage crisis and it brought a flexible mechanism called disintermediation which can increase financial market efficiency. Shadow banks can be realized as the financial institutions perform similar functions and features with traditional banks but without regulations as traditional...