International Journal of Financial Innovation in Banking
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International Journal of Financial Innovation in Banking (3 papers in press)
CUSTOMERS READINESS FOR A PARADIGM SHIFT TOWARDS CYBERSPACE: AN EXPLORATORY INVESTIGATION IN INDIAN RETAIL BANKING by BRAJESH MISHRA, ANUPAMA PRASHAR Abstract: The present study is an exploratory investigation in the Indian retail banking sector with the purpose of understanding the drivers of adoption of information and communication technology (ICT) in the retail banking services. The study attempts to achieve the research objective by presenting a triadic view-point of customers, industry, and policymakers. The study is an academic attempt to understand the views of customers, regulators, and banking industry about the traditional brick and mortar, and ATM models, identify various factors that may impact use of ICT to access retail banking services. While the trends in the usage of digital payments including ICT-based delivery channels for accessing retail banking services have been examined to gain demand side perspective, the examination of trends in growth of bank branches and ATMs network have been carried out to verify whether the banks are still focussing on building the brick and mortar, and ATM models of retail banking. It is found that there is a gap between the available infrastructure to support the electronic retail banking platform and the one expected by the retail banking customers for a paradigm shift towards cyberspace. Keywords: retail banking; e-banking; ICT-based delivery channels; customer readiness. DOI: 10.1504/IJFIB.2020.10027700
Credit and Liquidity Risk in The Determination of Spread Over Business Cycles by Eduardo Medeiros Rubik, Vinicius Amorim Sobreiro, Herbert Kimura Abstract: The difference between the amount paid to depositors and the amount charged from borrowers, defined as bank spread, is determined by several factors. Two of them, according to theoretical models, are credit risk and liquidity Risk. In this context, we aim to analyse whether these factors change their influence on spread over different periods of business cycles. Brazilian banks were used to evaluate the behaviour of spread at various periods during business cycles by applying the modelling suggested by Aydemir and Guloglu (2017). However, the results show that the influence of credit risk and liquidity risk on the average conditional spread does not change at different periods over business cycles. Furthermore, credit risk and liquidity risk adversely affect spread, contradicting studies on the Brazilian economy, such as Almeida and Divino (2015). Finally, we conclude that spread is procyclical and has a high speed of adjustment. Keywords: Credit risk; Liquidity risk; Bank spread; Business cycle.
Nexus between Financial Innovation and Economic Growth in Lesotho: Evidence from ARDL and Nonlinear ARDL Approaches by Moeti Damane, Lira Sekantsi Abstract: This paper explores the relationship between financial innovation and economic growth in Lesotho using time series data spanning 1980 2016. The Autoregressive Distributed Lag (ARDL) bounds testing approach is applied to gauge long-run cointegration while the non-linear ARDL (NARDL) model is used to test validity of short and long-run symmetric effects of financial innovation on economic growth. Results of the bounds tests revealed existence of long-run cointegration between financial innovation and economic growth in Lesotho. Positive changes in financial innovation related positively with economic growth in the long-run but had a statistically insignificant impact in the short-run. Furthermore, negative changes in financial innovation were found to have no significant impact on Lesothos economic growth in the short and long-run. The government of Lesotho is recommended to foster greater financial innovation in the financial system to assist financial services expansion and efficient financial intermediation to support sustainable economic growth Keywords: Lesotho; Financial Innovation; Economic Growth; ARDL; NARDL.