Bank Headquarters Research Articles

TRAILBLAZING AI IMPLEMENTATION: OVERCOMING REGULATORY HURDLES AND BRIDGING TALENT GAPS TO TURN RESISTANCE INTO RESILIENCE AT RHB BANK HEADQUARTERS, MALAYSIA

The rapid integration of Artificial Intelligence (AI) in the banking sector offers both transformative opportunities and significant challenges. This study investigates the impact of resistance to change, talent and skills gaps, and regulatory compliance on the successful implementation of AI technologies at RHB Bank Headquarters in Malaysia. Using a quantitative research methodology, data were collected through a self-administered questionnaire distributed to 370 employees across various departments and hierarchical levels. Respondents were selected using a simple random sampling method. The study aimed to evaluate the relationships between these critical factors and AI implementation. Findings indicate that all three factors significantly influence AI implementation at RHB Bank, with regulatory compliance emerging as the strongest predictor, followed by resistance to change and the talent and skills gap. These results suggest that addressing employee resistance, bridging workforce skill deficiencies, and ensuring regulatory adherence are crucial for overcoming barriers to AI implementation. The study concludes that for RHB Bank to fully harness the advantages of AI, strategic efforts must focus on fostering a culture of adaptability, investing in talent development, and maintaining compliance with evolving regulatory frameworks. Such efforts are essential for enhancing the bank's operational efficiency and securing a competitive edge in the digital banking era.<p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/soc/0762/a.php" alt="Hit counter" /></p>

Religion and branch banking

This study aims to examine whether religion influences branch banking. Using a large sample of U.S. county-level branch banking and religious characteristics data between 1994 and 2018, we find that the local religiosity of the bank headquarters’ region is positively related to the presence of bank branches. By contrast, banks in regions with more Catholics than Protestants are less likely to have branches. Moreover, religious diversity negatively affects branch banking. Overall, our study highlights the significant role of local religions in branch-banking decisions.

Team Communication and Employee Performance in Commercial Banks in Tanzania

This study established the influence of team communication on employee performance in commercial banks in Tanzania. The study was anchored on the Katzenback and Smith model. The study adopted a descriptive survey research design and targeted all 39 operational commercial bank headquarters. The unit of observation comprised senior managers, managers, supervisors, and lower-level employees in each of the commercial banks under review thus making a total of 1480 of the targeted respondents. A simple random sampling technique was used to select the respondents; however, the expected sample size was 445 respondents with each senior manager, manager, supervisor, and lower-level employee contributing 30 percent of the total sample size. Both descriptive and inferential statistics were used to analyze the data with the assistance of statistical package for social sciences version 26. The study established that team communication influences employee performance in commercial banks. The study recommended that banks and many other organizations need to put in place mechanisms on how to evaluate -employee-based team performance rather than the rule thumb individual-based performance evaluation. The study has also pointed out strategic areas of importance into which managers in banks can look into the respective banks such as team communication that if well accommodated influence employee performance. In addition to other recommendations, it was proposed that, in light of these findings, work organizations evaluate their high-performance work system policy and activities by the degree to which they contribute directly to the accomplishment of the team’s strategic goals and objectives through the improvement of the employee performance.

Numerical Study on Optimization of Piled Raft Foundation on Stratified Soil under Static Load

Piled raft foundation (PRF) is a combination of pile and raft that provides adequate bearing capacity under the allowable settlement. This research aims to optimize the PRF design for a 48-story Commercial Bank headquarters building in Addis Ababa, Ethiopia, by conducting parametric study on various pile configuration using FLAC3D (Fast Lagrangian Analysis of Continua in three Dimensions) software. We analyzed 28 piled raft configurations and found that increasing the distance between piles increases the raft load sharing distribution by 11.5% while reducing settlement. Despite variations in pile length and diameter, a close load sharing between the pile and raft is accomplished at a separation of seven times the pile diameter (7D). The largest settlement decrease achieved was 9% for a 2-m pile diameter by doubling the pile length from 10 to 20 m, indicating that increasing pile length is ineffective for settlement reduction. We also proposed two new pile configurations that share load equally among pile and raft, and slightly increase total settlement below 10-cm limit. The results show that the first configuration exceeds differential settlement limit, but the second configuration reduces it by 95% and saves 40% of piles. This study provides a useful reference for designing PRF for high-rise buildings in similar soil conditions.

The Effect of Job Description on Employee’s Performance (Case Study of Dahabshiil Bank in Hargeisa, Somaliland)

This study aimed to examine the effect of job descriptions on employee performance in Dahabshiil Bank Hargeisa, Somaliland. The study used a descriptive-quantitative approach of data collection, with a sample size of 44 employees and managers at the bank's headquarters on 26 June Road. The main instrument of data collection was a questionnaire, and data were analyzed using descriptive statistics, specifically the statistical package for social science (SPSS) software and Excel. The study aimed to fill the gap in the literature regarding the influence of job descriptions on employee performance systematically. The objectives of the study were to determine the relationship between job descriptions and employee performance and to identify the extent to which job descriptions affect employee performance. The study found that the majority of the respondents strongly agreed (55%) that there is a positive relationship between job descriptions and employee performance. Additionally, 23% of the respondents agreed with this statement, indicating that a significant proportion of the sample population recognized the importance of job descriptions in enhancing employee performance. On the other hand, 10% of the respondents were neutral, while 8% and 5% disagreed and strongly disagreed, respectively. Based on the findings, the study recommends that Dahabshiil Bank should ensure that all job descriptions are detailed, up to date, and effectively communicated to employees. Overall, the study provides valuable insights into the importance of job descriptions in enhancing employee performance in Dahabshiil Bank and can serve as a reference for other organizations in the industry

Examination of the Strategic Vision of Banks in Digitalization and the Effects of Innovation on Performance and Artificial Intelligence Perception

This study examines the effects of strategic vision and digital innovation on the performance and perceptionsof digital natives regarding artificial intelligence (AI) in banks. This is due to the increased use of mobile banking applications with the proliferation of the internet. An online questionnaire was administered to 603 experts working in bank headquarters. The collected data were analyzed using theSmartPLS 3.3.3 software. Banks that adopt digital business strategies can gain a significant competitiveadvantage. To successfully transform and compete, banks need to address customer demands in the areasof digitalization, innovation, and mobile banking. This research is original in its evaluation of the strategic visions and digital innovations of banks, which play a crucial role in the service sector, with implications for finance, innovation, and mobile applications. The results demonstrate the positive effects of strategic vision and digital innovation on performance and digital natives' perceptions of AI. The hypotheses support the importance of digitalization and innovation for banks.

Bank affiliation and mutual funds’ trading strategy distinctiveness

This study investigates the effect of commercial bank affiliation on mutual fund trading strategy distinctiveness. We find that bank affiliation has a significantly positive relationship with mutual funds’ unique investment strategies, and this phenomenon exhibits better performance, supporting the benefits of bank affiliation. This association is most pronounced around macroeconomic releases, during high economic policy uncertainty periods, and among funds located within a close distance from their parent bank headquarters. Further analysis indicates that the more talented affiliated fund managers tend to pursue the distinctive strategy. Therefore, our evidence reveals that the underlying mechanisms are that affiliated funds own information advantages or hire more skilled fund managers due to the unique position of commercial banks in the economy. Finally, our results suggest that affiliated funds with a higher Strategy Distinctiveness Index attract stronger net inflows and are less exposed to risks. Our findings remain unchanged after several robustness tests.

Visibility and symbolism of corporate architecture: A multi-method approach for visual impact assessment

The global neoliberal cityscape is one of the most iconic products of contemporary urbanization. Inborn to international financial hubs such as New York, London, and Hong Kong, the dense concentration of high-rise bank headquarters became a powerful branding tool in the growing competition to attract foreign investment. Despite the extraordinary international attention this cityscape has attracted, there is a paucity of scientific research on its morphological principles and the gap between its visibility and perception. With a focus on Hong Kong, this study develops an innovative multi-method research design, combining historical investigation, a newly advanced visual impact assessment method, and a survey of a random probability population sample. The historical investigation reveals a volitional attempt to preserve visibility from key vantage points. The comparative assessment of bank headquarters and other corporate buildings, regarding both their visibility and perceived impact on the city’s image, demonstrates a gap between visibility and buildings’ perceived importance. The results illustrate the effective semiotic use of architecture, shedding light on how the symbolism of architectural form can consolidate neoliberal hegemony on the basis of shared perception. This study’s novelty lies in its multi-method approach and methodological advancement in terms of visibility analysis, while its significance is its potential application across a vast geographic area by scholars, designers, planners, and policymakers.

Gender, Religiosity and Internal Whistle blowing Intentions in the Nigeria Banking Industry

This research investigated the correlation between gender, religion, and internal whistle blowing intents within the Nigerian banking sector. The study only used primary data obtained via the distribution of a meticulously designed questionnaire. The research was carried out at the headquarters of several banks situated in Lagos. The researchers used a random sample approach to pick the banks for inclusion in the study. Subsequently, the workers of these banks were purposively chosen due to their essential role in the research investigation. The Yamane formula was used in order to ascertain the appropriate sample size, which was determined to be 397 workers. The examination of multiple stepwise regression (MSR) revealed that the coefficient of determination (R2) was 0.024. Additionally, the F-statistic, with degrees of freedom (2, 394), was found to be 4.805, and the associated p-value was less than 0.01. The study revealed that gender had a favourable effect (β1=0.105), but religion demonstrated a negative contribution (β0=-0.130). Therefore, it can be concluded that the enhancement of internal whistleblowing intents within the Nigerian banking business is favourably impacted by gender, whereas religion has a negative effect. The study thus suggests that in order to enhance internal whistleblowing intentions in the Nigerian banking sector, organizations should adopt gender-specific training and awareness programs, customize whistleblowing policies to address gender-related issues, establish communication channels that are inclusive and respectful of religious beliefs, provide cultural competency training, cultivate an ethical organizational culture, and regularly evaluate mechanisms in collaboration with religious leaders. Moreover, doing additional study, particularly longitudinal studies, has the potential to provide more profound understandings of the intricate dynamics between gender, religion, and whistleblowing behaviours. This, in turn, may inform more nuanced suggestions for organizational practices.

Green Building Concepts and Technologies in Ethiopia: The Case of Wegagen Bank Headquarters Building

The building sector is a key contributor to climate change, accounting for 40% of global energy consumption and 39% of CO2 emissions. Presently, green buildings have been viewed as crucial strategies to reduce the negative effects of the construction sector. Yet green building research is often carried out in developed countries, while relatively little is known in sub-Saharan African countries. Therefore, this study attempts to investigate the extent of adoption of green building concepts and technologies in Ethiopian buildings, with particular reference to the Wegagen Bank Headquarters building. The study employed an interview, which was underpinned by observation. The quantitative data were analyzed through descriptive statistics while the qualitative data were analyzed through content and context analysis. Results revealed that while the building provides convenient access to transportation; it lacks designated open spaces. Based on the findings, the widely used technologies were energy-saving lighting, highly efficient plumbing fixtures, and external solar shading system. Lack of awareness, lack of policy, insufficient professional skills, the perception that green buildings are expensive, and lack of green building materials hindered the adoption of the concepts. Therefore, the study suggests developing green building policy and rating systems, professional capacity building, and awareness creation as important measures.

Effects of Technological Change on Customers’ Satisfaction: A Study of Zenith Bank Headquarters, Lagos State

The bedrock of any economy is a strong and efficient banking system. The smooth running of a country’s economy is dependent on how well and fast is the banking industry able to adapt its operations to changes and how well they are able to tackle new challenges posed by technology.

How the Hazardous Smog Dampens Bank Executives’ Commitment to Green Credit

This study examines the relationship between air pollution and bank executives’ commitment to green credit. One may assume that bank executives who are exposed to severe air pollution are more likely to engage in green credit because they may be more anxious about the adverse consequences of environmental pollution. However, we draw on the theory of learned helplessness to argue that exposure to serious air pollution strengthens bank executives’ cognitive expectation that their individual green credit efforts are unable to generate meaningful environmental benefits, thereby hindering their commitment to green credit. Using a sample of Chinese listed banks from 2017 to 2019, we show a negative relationship between air pollution at the bank headquarters and the proportion of green credit to total credit. We also find that air pollution weakens the positive relationship between bank executives’ educational level and their commitment to green credit. Our findings highlight the impact of air pollution on managerial decision-making and call for attention to air pollution-induced learned helplessness as a barrier to the green transition.

Financial Innovation Strategies and Performance of Commercial Banks in Kenya

Purpose: The purpose of the study was to establish the impact of financial innovation strategies on performance of commercial banks.
 Methodology: The study used census approach and targeted all the 41 commercial banks in Kenya. This is because the population is small. Senior Operations and the Senior Finance managers working in the headquarters of the commercial banks were targeted. This was therefore a total of 82 respondents. The research adopted cross-sectional survey. The study used both primary and secondary data. Primary data was collected using questionnaires while Secondary information was acquired from the commercial banks' audited financial statements. After quantitative data was obtained through questionnaires, it was prepared in readiness for analysis and keyed into statistical package for social sciences (SPSS) computer software (version 22) for analysis.
 Findings: Results from both primary and secondary data showed that financial innovation strategies had a positive and significant effect on performance of commercial banks.
 Recommendation: Policy makers have to be wary about increasing level of competition in the banking industry and put in place appropriate competitive strategies to mitigate the challenges that come with the competition. These competitive strategies will enhance their performance and eventual survival in the industry.

Cost Reduction Strategies and Performance of Commercial Banks in Kenya

Purpose: The purpose of the study was to establish the influence of cost reduction strategies on performance of commercial banks.
 Methodology: The study used census approach and targeted all the 41 commercial banks in Kenya. This is because the population is small. Senior finance and operations managers working in the headquarters of the commercial banks were targeted. This was therefore a total of 82 respondents. The research adopted cross-sectional survey. The study used both primary and secondary data. Primary data was collected using questionnaires while Secondary information was acquired from the commercial banks' audited financial statements.
 Findings: Both primary and secondary data regression results showed that cost reduction strategies had a positive and significant effect on performance of commercial banks. From the study findings, the study concluded that that cost reduction strategies had a positive and significant effect on performance of commercial banks in Kenya.
 Recommendation: The study recommended that bank management should establish measures that reduce overhead costs as well as operational costs so as they can boost their performance.

FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH UNTUK MENABUNG TABUNGAN SIMAPAN DI BANK DAERAH LAMONGAN JAWA TIMUR

This study is a survey research on Regions Bank Headquarters Lamongan with title "The Influence of Customer Decision to Save the Savings Simapan in Lamongan Regional Banks ". The purpose of this research is to find out and analyze if there is partial effect, simultaneous and dominant among the factors of interest, quality of service and gifts to the customer's decision to save. To determine the influence of the relationship between the variables used multiple regression analysis, t test and F test test data analysis using the SPSS version 17 with the results of (1) Y = 0.157 + 0.127 + 0.480 X1 + 0.396 X2 X3 + X2 E showed the most dominant variable ( 2) test the t interest (1,992), quality of service (5.314) and gifts (4.778), the value of t count> t table (1.986) means a partial effect on the dependent variable (3) F count (312 329)> F table 2,70 means the simultaneous effect on the dependent variable. The conclusion of this study is the variable of interest, quality of service and reward influence the customer's decision to save the savings Simapan in Lamongan Regional Banks.

Imported Sophistication: The Ballets Russes Tours of the 1930s–50s and Toronto's Quest for Cultural Significance

Imported Sophistication: The Ballets Russes Tours of the 1930s–50s and Toronto's Quest for Cultural Significance

Banks fearing the drought? Liquidity hoarding as a response to idiosyncratic interbank funding dry-ups

We investigate whether idiosyncratic interbank funding shocks affecting a bank headquarters can trigger a liquidity hoarding reaction by their regional branches. Shock-affected branches of Brazilian banks increase liquid assets and cut lending in the shocks’ aftermath compared to non-affected branches within the same municipality, even in absence of a market-wide freeze. These effects increase in branches’ reliance on internal funding and vary depending on banks’ access to central bank emergency liquidity. Our findings suggest that the geographical fragmentation of branches’ funding limits their ability to offset idiosyncratic funding shocks.

Relationship between Managerial Roles and Job Satisfaction among Employees: Case Study of A Local Bank Headquarters in Kuala Lumpur, Malaysia

Relationship between Managerial Roles and Job Satisfaction among Employees: Case Study of A Local Bank Headquarters in Kuala Lumpur, Malaysia

TOTAL QUALITY MANAGEMENT IMPLEMENTATION AND PERFORMANCE OF THE BANKING INSTITUTIONS IN TANZANIA: A CASE OF CRDB BANK PLC

The focus of the study was to assess the implementation of TQM and the performance of the banking institutions in Tanzania. The study was conducted at CRDB bank headquarters. The study intended to examine the impacts of implementation of TQM on the performance of the bank, analyse the effects of employee involvement in TQM on the performance of the bank and evaluate the effects of management leadership in TQM on the performance of the bank. A case study research design was used with a sample of 80 respondents utilising questionnaires, interviews and documentary review. The collected data were analysed quantitatively through descriptive analysis and multiple linear regression model. The study found that implementation of TQM facilitates the increase of both employees’ and bank performance as well as service quality. Moreover, the study found that employee involvement in the implementation of TQM helps to provide training that supports to increase the performance of the bank. The study also found that management leadership in TQM helps in decision making which increases bank performance. The study concluded that the implementation of TQM facilities increases employees’ performance which results into increase in bank performance, and helps to reduce costs associated with bank operations which leads to the increase in bank performance

Banks Fearing the Drought? Liquidity Hoarding as a Response to Idiosyncratic Interbank Funding Dry-Ups

Since the global financial crisis, economic literature has highlighted banks' inclination to bolster up their liquid asset positions once the aggregate interbank funding market experiences a dry-up. To this regard, we show that liquidity hoarding and its detrimental effects on credit can also be triggered by idiosyncratic, i.e. bankspecific, interbank funding shocks with implications for monetary policy. Combining a unique data set of the Brazilian banking sector with a novel identification strategy enables us to overcome previous limitations for studying this phenomenon as a bankspecific event. This strategy further helps us to analyse how disruptions in the bank headquarters' interbank market can lead to liquidity and lending adjustments at the regional bank branch level. From the perspective of the policy maker, understanding this market-to-market spillover effect is important as local bank branch markets are characterised by market concentration and relationship lending.