the importance of ict in the banking sector

... Cartel Office, and in 2007, following the inquiry of the Spanish Competition Commission, fined several savings banks for market-sharing agreements 44 INVESTIGATING DIVERSITY IN THE BANKING SECTOR IN ... of savings banks in this study demonstrates the value of their presence in terms of the financial, economic and social welfare of the countries in which they operate INTRODUCTION The value of ... more favourable view of the possible role of the state in financial markets 35 INVESTIGATING DIVERSITY IN THE BANKING SECTOR IN EUROPE | 33 This new trend of questioning the ultra-liberal positions...

Ngày tải lên: 29/03/2014, 07:20

... in Vietnam has been developing rapidly in terms of the number of card and transaction value since the first ever credit card of Vietnam was issued by Vietcombank in 1996 By the end of 2011, there ... frauds in the international card payment increase rapidly in 2011 The total value of fraud transactions reached one million dollars in the first quarter of the year and 1.5 million dollars in the ... defined by the rational and economic valuations of individuals The quality of the product and the quality of service form part of this dimension Emotional dimension is relating to feelings or internal...

Ngày tải lên: 25/11/2014, 00:36

... assets in the banking sector are deposited in a single bad bank If one bad bank were established for each of the three main pillars of the German banking industry – i.e for the credit unions, savings ... neither the value of assets nor the amounts of hidden losses of some large banks were disclosed The comeback of trust into the business models of the banking sector would most likely be undermined ... on the banking industry’s books endanger the entire financial system, a bad bank has often been the solution of choice At the end of the 1980s, more than 1,000 savings & loan institutions in the...

Ngày tải lên: 15/03/2014, 10:20

... proteinDNA interfaces is favourable to binding Structural analyses of the remaining water at the interface in protein-DNA complexes indicate that a majority of these water molecules promote binding ... hours, indicating a stable complex The integration ratio between the singlet of the picrate at 8.52 ppm and the aromatic protons of the linear dendrimer indicates that the stoichiometry of the complex ... inclusion of the amino acid’s alkyl chain into the cavity of one calixarene molecule and interaction of the amino acid amino group with the phosphoryl group of a second calixarene The more stable...

Ngày tải lên: 28/06/2014, 17:20

... indeed understanding - at many levels must be fed into the mathematics Nor should the value of facts and understanding on their own be dismissed The case for Darwin's theory of evolution by natural ... surprising, and may dwindle (either in extent or in significance) with the accumulation of more facts There seems no need for the snobbery (it is said) of the highly quantitative founding biologists ... Journal of Biology 2009, Volume 8, Article 34 mathematics; indeed Lewis argues cogently that the behavior of the Hes/her oscillator alone is beyond the reach of simple intuition Moreover the biological...

Ngày tải lên: 06/08/2014, 19:20

... chosen They are all located in Ho Chi Minh city The study planned to impact the success of the growing retail banking sector in a transition economy through analyzing customer reactions to the service ... demonstrate the impact of service quality dimensions in explaining overall satisfaction of customers in retail banking sector 1.5 Structure of the research The structure of this study includes five chapters ... the wholesale sector and then focusing on developing retail services The joint-stock commercial banks are smaller in financial strength, but focus on the retail market from the beginning could also...

Ngày tải lên: 13/04/2015, 09:45

... century Later, with the increasing British dominance in the Peninsula, the bulk of labor in tinmining was in the form of Chinese workers, who were also involved in the mining of coal and gold (Purcell, ... potential of ICTs and even simple technologies in improving the status of women in society The global nature of the project made me aware of the importance of socio-cultural factors influencing the ... societies, their involvement in gambling and trafficking women and girls in the region, and their growing power in the mining areas, outweighed the benefits of their existence for the British,...

Ngày tải lên: 14/05/2015, 12:09

Ngày tải lên: 17/08/2015, 11:16

... from the combination of both tangible goods and intangible services In some business like banking industry, service is the essential part of business activity as it is the key for retaining the ... wide range of personal banking services include: deposit accounts in the form of savings and checking accounts and certificates of deposit of varying maturities; loans in the form of mortgages ... quality in banking sector 2.4.1 Customer satisfaction in banking sector Customer satisfaction is an outstanding research topic of different areas and banking industry is not an exception Banking...

Ngày tải lên: 18/05/2015, 03:42

... elements of the guidelines concerning integration of ICT in higher education in Vietnam The government is the highest organ of state administration of the Socialist Republic of Vietnam The MOET is the ... assistance Findings 4.1 ICT Policy analysis The focus on integration of ICT in education is on the enhancement of teaching, training and applying IT in education with Directive 55 of the MOET (MOET, ... outcome of integration of ICT in education However, no clear definition is given of what e-learning is exactly about In most TEIs there are high expectations on the role of ICT for the activation of...

Ngày tải lên: 30/03/2014, 11:20

... significant insights into service quality in Ethiopian banking industry, there is still a chance to extend the findings to gain a more comprehensive understanding of the nature of banking services The ... difference in the banking products offered by banks dealing in services as any new offering is quickly matched by competitors There are disappointments of customers over the service offered and the ... holders are the largest group of respondents comprising 69% of the respondents Finally, holders of postgraduate degrees make 15 of the customers Regarding the frequency of use, majority of the respondent...

Ngày tải lên: 08/06/2014, 11:34

... that the prevalence of diagnosed COPD, the number of deaths, and the associated health costs will increase during the next decade In addition to the social strain, COPD also influences the patients' ... the members of the staff at the learning and coping centre at Haugesund Hospital for assisting the recruitment of COPD patients References 10 11 Competing interests The authors declare that they ... health, with symptoms explaining the greatest variance These findings highlight the importance of rehabilitation programmes that focus on the management of symptoms in relation to COPD http://www.hqlo.com/content/6/1/115...

Ngày tải lên: 18/06/2014, 19:20

... Influencing Classroom Use of ICT in Sub-Saharan Africa, Itupale Online Journal of African Studies, số Mohammed I Isleem (2003), Relationships of selected factors and the level of computer use for instructional ... teachers in ohio public schools: a statewide survey, Luận án tiến sĩ, Ohio State University Peeraer J & Petegem P.V (2010), Factors Influencing Integration of ICT in Higher Education in Vietnam, ... UNESCO ICT competency framework for teachers, ed 2, The United Nations Educational, Scientifi c and Cultural Organization Sara Hennessy, David Harrison, & Leonard Wamakote (2010), Teacher Factors Influencing...

Ngày tải lên: 03/03/2015, 08:58

... Model of Influencing Factors for the Use of ICT for Teaching Practice Influencing or constraining factors to the integration of ICT in teaching practice can be categorized in different ways In a ... the importance of subject cultures (John, 2005) for the integration of ICT in education There is no significant influence of gender, age or subject teaching on the integration of ICT in teaching ... to the integration of ICT is ICT competence or skills and ICT confidence A very significant determinant of teachers’ levels of engagement in ICT is their level of confidence in using the technologies...

Ngày tải lên: 10/08/2015, 22:59

... concerned 12 Assessing the quality of investment advice in the retail banking sector Section – Key causes of poor advice about these failings as the majority of the mystery shops based upon the short, ... act in response to the RDR and ensure they deliver good advice Assessing the quality of investment advice in the retail banking sector Annex 19 Annex 1: Examples of recent retail banking sector ... pp12-13 8 Assessing the quality of investment advice in the retail banking sector Section – Key causes of poor advice Example of a customer struggling to engage with the risk-profiling process One...

Ngày tải lên: 16/03/2014, 17:20

... of small holdings in eral la.' ' 4.10.4 Structure of Coffee Plantations In the coffee economy of the country, small growers play an important role There are 1,28,324 coffee holdings/estates in ... cent of the coffee area and 48 per cent of the In Kerala there are 77,073 units of which 75,559 units are below 10 hectares." Nearly 82 per cent of the area under coffee in the state is in I ... manufacturing industry in the state accounts for only 15 per cent of the natural rubber production in era la.'' 4.11.1 Area There has been a striking increase in the area under rubber in Kerala having...

Ngày tải lên: 23/03/2014, 21:21

... rate of return In banking sector, there are lots of profit ratios such as the rate of return on assets (ROA), the return on equity (ROE), the unraveling profit ratios, the net interest margin, ... in two previous years because of the government’s monetary policy The liquidity was quite in troubles because the strong increase in loan but low increase in deposits The ROA of the banking industry ... These financial indicators indicate that how the bank mobilize capital and allocate their capital to earn profit The used of four main indicators show the size of the bank These financial indicators...

Ngày tải lên: 26/05/2015, 08:30

... also made gains in both the finance /banking industries and in the defence-related public sector Whereas some 125 000 women worked in finance and banking institutions in 1975, the number increased ... and retail trade sector, where the number of women rose from about 550 000 in 1975 to almost 800 000 two decades later The number of men in this sector remained stable over the period, at around ... 000 women worked in the communications sector Twenty years later, though the number of men remained unchanged, the number of women rose to 550 000 A similar situation was seen in the wholesale and...

Ngày tải lên: 04/10/2012, 10:02

... profitability is declining The internalization of information within the same institution may thus enhance intra-circuit and inter-circuit stability by reducing the incentive to overfinancing The ... Creating a stronger investor base amounts to strengthening the circuit by completing the financial market structure of the economy, thus eliminating discontinuities in the transmission of information ... placing money with investment financial institutions in the capital market, and hold the remaining share in noninterest bearing, short-term bank deposits (eq 7) The share of savings going to the...

Ngày tải lên: 24/10/2012, 09:33