Financial evolution in banking industry development through comparative analysis of pre- and post-mergers and acquisitions

Nowadays, the competence and controlling power of banking industry in our country are at a rather high level and relies little on the outside world and it runs in a fine state generally. However, banking industry begins to face to severe challenges with the Economy's entering the new normal, interest rates liberalization reform, the crash of internet finance and the internalization of RMB, we have to accelerate transformation development, perfect supporting policies, recreate the traditional banks and fasten the service globalization, only in this way can the banking industry develop in a safe, stable, healthy and rapid way.

As the consistency prediction of data view in information systems and actual data, data quality is of vital importance to decision making and the development of banking industry. In this paper, we firstly analyze the influence of data quality on the banking industry, and make researches on the current situation of banking industry data quality automated management. Then five evaluation dimensions (completeness, timeliness, validity, consistency and accuracy) of data are investigated, and specific evaluation indexes according to the applications of data in the banking systems are proposed. Based on the research, we design and implement a data quality assessment management system for the banking industry. The assessment system proposed is deployed in a domestic bank and good results have been achieved.

Digital banking is one of the latest applications that integrates all services of traditional banks via digitized technology. Its pivotal role in the development of banking industry has been recently recognized, especially in emerging countries such as Vietnam. This paper identified the determinants of Vietnamese consumers’ behavioural intention to adopt or use digital banking . By using the Modified Unified Theory of Acceptance and Use of Technology (UTAUT2), the eight constructing factors have been selected to examine their influences on the Vietnamese customers’ behaviour: performance expectancy (PE), effort expectancy (EE), social influences (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HT), and trust (TR). The findings suggested that performance expectancy, effort expectancy, hedonic motivation, habit, and trust significantly and positively influence the behavioural intention of digital banking services. The intention of adoption services, together with habit and facilitating conditions are three significant factors capturing the usage intention under the context of Vietnam. The empirical results not only made a valuable contribution to the existing research on banking innovation, but also provided benefits to policy-makers, bank supervisors, and bank managers concerning how to develop and improve the customers’ recognition and intention to use new banking services.

This paper describes the regulation of Islamic economics and the urgency of its development, the post-reform Islamic economic, regulatory system, and analyzes the orientation of Indonesian Islamic economic regulation from a political economy perspective. This article's method is a descriptive analysis by analyzing political phenomena that occur in the formulation of Islamic economic regulations in post-reform Indonesia. This qualitative research uses literature studies. The development of Islamic financial regulation in Indonesia is relatively late when referring to Islamic finance development in other countries. This is related to the national political conditions, which are generally less responsive to institutions labeled Islamic. The dramatic changes in Indonesian politics since the fall of the Soeharto regime have made room for real democracy. Islamic banking regulation responds to the Islamic banking industry's development, which requires assurance of legal certainty and legal justice in a clear regulation. The increase in the role of the government in dealing with Islamic economic problems has a big role. According to Islam, economic policies must be supported by social responsibility, limited economic freedom by sharia, multi-ownership recognition, namely private ownership, state ownership, and a high work ethic. The interpretation and development of Islamic economic regulations can be richer and more important if it is based on concrete experiences of development in implementing Islamic economic regulations in Indonesia. In seeking economic laws in line with the rububiyah principle, practical experiences are material for validating Islamic economic laws.

This paper describes the regulation of Islamic economics and the urgency of its development, the post-reform Islamic economic, regulatory system, and analyzes the orientation of Indonesian Islamic economic regulation from a political economy perspective. This article's method is a descriptive analysis by analyzing political phenomena that occur in the formulation of Islamic economic regulations in post-reform Indonesia. This qualitative research uses literature studies. The development of Islamic financial regulation in Indonesia is relatively late when referring to Islamic finance development in other countries. This is related to the national political conditions, which are generally less responsive to institutions labeled Islamic. The dramatic changes in Indonesian politics since the fall of the Soeharto regime have made room for real democracy. Islamic banking regulation responds to the Islamic banking industry's development, which requires assurance of legal certainty and legal justice in a clear regulation. The increase in the role of the government in dealing with Islamic economic problems has a big role. According to Islam, economic policies must be supported by social responsibility, limited economic freedom by sharia, multi-ownership recognition, namely private ownership, state ownership, and a high work ethic. The interpretation and development of Islamic economic regulations can be richer and more important if it is based on concrete experiences of development in implementing Islamic economic regulations in Indonesia. In seeking economic laws in line with the rububiyah principle, practical experiences are material for validating Islamic economic laws.

Currently, the Chinese economy is encountering a period of stagnation in its development. Sustaining the rapid growth rate of the economy has become a challenge, as there is a lack of adequate momentum for continuous high-speed advancement. The nation is edging closer to the middle-income trap, and the conventional approach of relying on investment, exports, and consumption to propel economic growth is proving to be unattainable. It must be achieved through the transformation of economic structure, and the transformation of the financial industry is the most important part of it. The research question of this article is how commercial banks affect economic growth and how China's banking system has developed. The WTO's entrance into China has been a major catalyst for the banking industry and its system to be built. The literature review section delved deeply into economic growth, examining the concept of it, how it is achieved in China, as well as any factors that may influence it. More importantly, the study reviewed what the banking industry is and the development stages of China's banking industry. The banking industry's development was examined in the concluding part of the literature review, examining pertinent studies on the effect of economic expansion. In the discussion section of the research, we analyzed how the banking industry affects economic growth through its impact on capital allocation, banking services, and currency. Ultimately, we drew corresponding conclusions and proposed countermeasures and suggestions for the future development of the banking industry. Due to the fact that the industrial structure of developing countries is usually dominated by labor-intensive industries, clarifying the interrelationship between China's banking structure, capital allocation efficiency, and economic growth has universal significance and reference value for relevant financial arrangements in developing countries.

This article proposes examining human resource management practices (HRMPs) and work motivation in influencing work commitment in the Indonesian banking industry. This research employs quantitative survey research. The survey data contains 277 employees from 11 Indonesian private commercial banks. To analyze the data, this study uses the multiple regression method. This study finds that HRMPs and work motivation positively predict work commitment. Results also identify work motivation as a positive predictor of work commitment. Therefore, HRMPs and work motivation make positive contributions to influencing work commitment. Research on links between HRMPs, WM, and WC is important but has not been studied. This article is hoped to be a novelty. It is expected to address an important gap in the human resource management literature. HRMPs, work motivation, and work commitment in the Indonesian banking industry can contribute to human resources management literature. Indonesia's banking industry is booming. As a result, there is a need for efficient and experienced human resource recruitment. This research will contribute to Indonesia's banking industry development.

To examine the impact of commercial bank development on economic growth, adopting panel autoregressive distributed lag model (P-ARDL). Thus, we used bank credit to the private sector, domestic credit to the private sector, financial deepening, bank deposit and lending rate to measure the commercial bank development while we used control of corruption, regulatory quality, rule of law and government effectiveness to account for governance and regulatory quality, and we controlled for the influence of the macroeconomic variables by including current account balance, exchange rate, inflation rate and personal income in the model. To account for growth, we used gross domestic product per capita to measure the economic growth. We employed time series data spanning from the period of 1996 to 2018. The result reveals that commercial bank development has a significant positive impact on economic growth. From our findings, there is the positive long-run relationship between bank credit to the private sector and economic growth suggesting that commercial bank development leads to economic growth. This indicates that banking industry development tends to improve the productive capacity of G7 and African economies as in the case of supply leading hypothesis. However, poor government effectiveness, regulatory quality, role of law and control of corruption destroys the growth of commercial banks especially as its evidential in our findings in Africa, therefore Governments are advised to seek for policies that minimizes corruption, promotes government effectiveness and regulatory quality.

Assessment and Analysis Strategies according to Space Matrix-case Study: Petrochemical and Banking Industries in Tehran Stock Exchange (TSE)

The research investigates the determinants of private banks profitability in Egypt. The determinants are bank specific (liquidity, capital adequacy, bank size, asset structure, credit risk, and non-performing loans), industry-specific (industry concentration and banking industry development), and macroeconomics (economic growth and inflation). It is an empirical study applying a quantitative method for data analysis and the type of data is secondary data. The sample size of the research is 15 private banks on the Egyptian and the panel data for the research is 2013–2022. The multiple linear regression analysis using the Eviews 12 application as an analytical tool by applying generalized least squares model. The profitability of private banks, which is the dependent factor, is calculated by two measurements, Return on Assets and Return on Equity with ten determinants of profitability as independent variables. Results indicate that capital adequacy, economic growth bank size, and inflation has a positive significant effect on private banks profitability in Egypt. While NPL, liquidity and credit risk have significant negative effect on private banks profitability in Egypt. Based on the results recommendations are provided for bank management to maximize their profitability.

With the development of Internet information technology, such as mobile payment, cloud computing and large data, there is a new financial service model - Internet financial model. Analysis of the development of Internet finance found that through the replication of financial functions, and the traditional banking industry to form a competitive situation, and the bank resource allocation, payment and settlement and risk management business impact. In the future development, commercial banks must use the Internet technology platform to promote the transformation in the field of management. In the competition with their own advantages to form a complementary integration, in order to promote the improvement of financial services efficiency. In this process, the government actively develop the Internet financial regulatory laws and regulations, improve the lack of supervision of Internet finance.

The subject of the research is the directions of development of the gas industry of Ukraine. The purpose of the study is to develop a mathematical model for calculating the program of development of the country's gas industry to solve the problem of choosing options for commissioning of new natural gas fields and intensification of existing fields. The methods of system analysis, linear programming, comparative analysis and expert evaluations are used in the work. A model for calculating a program for the development of the gas industry is proposed to solve the problem of choosing options for commissioning new natural gas fields and intensifying existing fields. The model is based on representing development options with achievable volumes of annual production increase in integer linear programming problems. New and operating natural gas fields can be presented in the model with statistical information on their distribution by reserves and depths with the corresponding development costs, as well as the dependences of the predicted annual production volume on the measures taken and technologies to improve the efficiency of gas extraction. Model calculations provide a two-stage method for determining the options for the development of the industry. At the first stage, a variety of options are optimized according to the criterion of unit costs per 1,000 m3 of gas produced during the entire program period. The second stage ensures the optimal distribution of the selected options between the periods of the program using the criterion of the production volume and with the limited costs of the previous period for the preparation, prospecting and exploration of deposits. The results of calculating feasible options for the development of the gas production industry based on statistical information on volume, mining and geological and cost indicators of the development of resources and natural gas reserves are presented. The calculations investigated the options for the uniform distribution of investment, as well as their growth from the first stage to the next. For both cases, the priority is set for the selection of fields with large reserves at the same depths. Such a procedure for putting fields into operation is expedient, both from the point of view of the criterion for the optimal functioning of the industry over a long period of time – the unit costs of production, and on the basis of considerations of achieving the highest volumes of extraction in the shortest possible time. In the case of small capital investments in the development of the industry, the model selects small-volume reserves of deposits according to the structure of Ukrainian reserves.

The tourism industry is the leading and most dynamic industry in the global economy. In many countries, tourism plays a significant role in the formation of GDP, and provides additional jobs for the population. The tourism industry is one of the important structures of a number of developed countries and therefore the development of this industry is necessary for Ukraine. Greece is known for its fascinating history and natural beauties. Greece has successfully developed tourism since the middle of the last century, and therefore its experience can help Ukraine make this industry one of the main in the structure of the national economy. The article explores the experience of Greece in the development of the tourism industry and the possibility of its use in Ukraine; analyzes the current state of development of the tourism industry in Greece and Ukraine. It substantiates the possibility of using the experience of Greece in the development of the tourism industry of Ukraine. The subject of this article is the possibility of using the experience of Greece in Ukraine. The goal is to provide a scientific and theoretical justification for using the experience of tourism development in Greece in Ukraine. Tasks: to explore the current state of the tourism industry in Ukraine and Greece; to identify the possibilities of using the experience of development of the tourism industry of Greece in Ukraine. General scientific methods are used: systemic, descriptive, comparative and structural-logical analysis. The following results were obtained: based on the study, it was revealed the feasibility of using the experience of Greece in the Ukrainian tourism industry. Conclusions: the launch of specially designed programs to increase capacity, as well as improve the quality of hotels and other objects. We need to attract investors to the development of hotels, transport, theme parks and recreation areas, for this we need to make convenient and easy conditions for investment. Ukraine needs to pay attention to improving the service and tourism infrastructure, has a low level of quality, for this it is necessary to review and change state standards and requirements for accommodation facilities, which are very outdated and therefore it is necessary to change them to more modern European standards. It will be advisable to mitigate visa formalities for those countries that are now the main suppliers of tourists, as well as for those countries that may be "promising" suppliers of tourists.

E-Banking has become an important factor in the future development of banking industry. Electronic banking or online banking is a service provide by many banks that allow handling of all types of banking business, primarily over the internet by using the information technology and communication. In many developed countries E- banking plays a very vital role due to the fact that it’s the cheapest way of providing banking services. Beside this it also facilitated swift movement of funds domestically and across borders. It is a border less entity permitting anytime, anywhere and anyhow banking to its customers. E-Banking is one of the most successful on-line businesses, which save the time and money of customers and companies. It is easily accessible anywhere to a PC, PDA, mobile device, with an internet connection. It also enables the customer to conduct financial transactions on the website of the institution, such as virtual bank, retail bank, a credit union etc. Despite of many benefits of E-Banking, there are some factors which affect its usage. This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and issues. In short e-banking is anytime and anywhere banking.

The development of banking industry in Indonesia could bring impact on the economic growth, especially in the face of the financial crisis. This study aims to examine scientifically the efficiency score of regional development banks. Furthermore, it also aims to understand further what factors influence the efficiency performance of regional development banks in Indonesia using the SFA (Stochastic Frontier Analysis) approach. The data used is from 25 Regional Development Banks (BPD) in Indonesia with the financial reporting period of 2011 to 2017. The results obtained are the level of efficiency of BPD in Indonesia does not reach 100%. The highest level of efficiency was at 97.80% in 2016. Then, the variable that affects bank efficiency is liquidity as measured by LDR, and credit risk as measured by NPL. Meanwhile, the variables of bank capital and profitability as well as the size of the bank and board of commissioners do not affect the efficiency of banks, especially Regional Development Banks in Indonesia in the period of 2011-2017.