Banking Integration Research Articles

The Impact of Cross-Border Banking on Financial Stability

The globalization of financial markets has ushered in an era of interconnectedness, where financial institutions increasingly operate across national borders. This phenomenon, known as cross-border banking, has both potential benefits and risks for financial stability. While it can enhance risk diversification and promote economic growth, it also poses challenges such as contagion effects and regulatory coordination issues. This study aims to comprehensively investigate the impact of cross-border banking on financial stability, particularly within the European Union (EU). By examining the costs and benefits, developing metrics to measure optimal integration, and applying these metrics to EU countries, this research seeks to provide policymakers and regulators with valuable insights into the management of cross-border banking activities. The study begins by analysing the costs and benefits of cross-border banking. While it can offer advantages like risk spreading and increased credit stability, it also introduces risks such as contagion and regulatory challenges. The research explores the interplay between these factors and their implications for financial stability. To quantify the optimal level of cross-border banking integration, the study develops forward-looking indicators. These metrics aim to measure the extent to which a country's banking system is integrated into international markets while minimizing risks. By applying these indicators to EU countries, the research identifies which countries are more susceptible to systemic risks and which ones demonstrate optimal practices. Furthermore, the study investigates the systemic risks associated with cross-border banking, particularly the risk of financial contagion. It examines how the interconnectedness of financial institutions can facilitate the spread of shocks across borders and explores the role of regulatory coordination in mitigating these risks. The research also evaluates the trade-off between cross-border banking integration and local financial stability. While integration can provide diversification benefits, it can also increase vulnerability to external shocks. The study seeks to determine the optimal level of integration that allows countries to benefit from international markets without compromising domestic stability. Finally, the study provides policy recommendations based on its findings. By identifying countries with imbalances or low diversification, the research offers guidance on how to improve financial stability through targeted interventions. The recommendations aim to enhance the resilience of cross-border banking systems and contribute to a more stable and efficient global financial landscape.

Influence of key ESG factors on Islamic banks’ financial performance: Evidence from GCC countries

With the global emphasis on sustainability, this research highlights the crucial role Islamic banks can play in sustainable development. The study evaluates how Environmental, Social, and Governance (ESG) practices impact the performance of Islamic banks in GCC countries from 2010 to 2021 using the generalized method of moments (GMM) approach to address potential endogeneity in panel data. Our findings show that while the overall ESG score does not significantly impact bank performance, individual ESG components do. The social component positively affects several performance indicators, governance impacts Return on Equity (ROE), and the environmental factor correlates positively with Tobin's Q. Despite the growing focus on ESG principles, their integration in Islamic banking is limited. By improving ESG performance and offering niche market services, Islamic banks can significantly contribute to sustainability. The study advises bank executives, investors, and policymakers to integrate ESG considerations into business and regulatory strategies to enhance the sector's role in achieving sustainability goals.

Low/no-code and traditional code integration in digital banking

This paper seeks to combine the merits of low/no-code programming (LNCP) with traditional programming (TP) systems for increased agility in digital banking software development. While it is easy to fall prey to shiny object syndrome in today’s dynamic banking technology landscape, it is not easy to select the right technology to suit the current and future needs of the financial industry. Instead, LNCP makes it possible to lower the technical entry barriers to technology development. Integrating TP with LNCP, when needed, compensates for the shortcomings related to LNCP and provides digital banks with a more comprehensive software development approach. The adoption of this approach improves time-to-market of new innovative financial solutions. There has been little progress in this direction, academically or in practice. This paper includes an empirical study, interviews with banking professionals, on the merits of LNCP and TP, as well as an experimental project implementation that integrates LNCP and TP in the development of a retail Internet banking application. In the context of digital banking solution development, the result of the experiment reveals the merits of LNCP/TP hybrid systems in terms of agility, scalability, change management and cost-effectiveness.

Linkages between Financial Risk and Sustainability in the Banking Sector: A Bibliometric Study

This paper presents a bibliometric analysis examining the evolution of research within the sustainability and risk management sectors in banking, based on several visual network analyses. Initial findings delineate thematic clusters focusing on green banking, financial performance, and the impact of technological advancements such as fintech. An investigation into the temporal progression of research themes from 2017 to 2021 highlights a significant shift from foundational concerns about financial stability to more nuanced discussions integrating sustainability and economic inclusivity. Additionally, the research identifies potential gaps in the literature, particularly around the integration of Islamic banking with green practices and the management of environmental and climate-related risks. Analysis of author collaborations within these thematic areas reveals a robust network of scholars, characterized by both dense, focused groupings and broader, interdisciplinary linkages. This study underscores the dynamic and evolving nature of academic discourse in sustainable finance, suggesting promising areas for future research.

Perlindungan Hukum Jasa Keuangan Fintech Dalam Perkembangan Ekonomi Di Indonesia Pada Era Indusri 4.0

The Fintech-based financial services sector in Indonesia shows developments that are in line with regional and global sector dynamics. This development plays an important role in accelerating national economic growth, where the financial services sector functions optimally to maintain the smooth running of the financial system. This system is the foundation for sustainable development, supports community financial independence, and improves the distribution of development. This study uses a normative juridical approach with descriptive analysis. The data was analyzed qualitatively and juridically. The research results show that regulations in the financial services sector are developing rapidly due to demands from regional and global changes. One of the main challenges faced is the ASEAN Banking Integration Framework (ABIF). Legal developments in this sector can be seen in regulatory changes in institutions, services, products, and dispute resolution. Legal reform is still needed to provide a strong legal basis for the financial services sector, especially in civil and banking law. This reform aims to adapt regulations to the latest developments and ensure the stability and reliability of the financial services sector in the future.

The Benefits of Sustainability Integration in Banking

Abstract This study investigates the way banks choose to implement sustainability, and shows the advantages and challenges that this integration brings. We used a methodology that combined bibliometric analysis and case studies that included the integration of sustainability in different banking institutions. What was observed as a result of the study is that a correct adoption of the principles of long-term sustainability have multiple benefits: - increasing operational efficiency - improving the image of banks; positive impact on society and the environment. Through this research we hope to add to the specialized literature, coming with clear evidence that the banking environment can contribute with a positive impact on sustainability. The decision-making factors in the management and the board of the banking institutions use these evidences as information that can later be transformed into performance indicators, indicators that will contribute through their results to encouraging the implementation of sustainable development within the banks. We know that the future comes with climatic challenges, or precisely a sustainable banking strategy that includes the analysis of all risks can generate a balance sheet behind anticipated. This integration of sustainability in the banking sector encompasses environmental, social and governance (ESG) principles; ESG has gained increasing attention in recent years. "Sustainable economic development has become an important factor on the agenda of various economic and business institutions, so banks and financial institutions are also an essential part of this trend" (Tarkhanova, 2018). Case studies from real institutions are included to exemplify successful implementations (BNP PARIBAS Personal Finance). Although it faces challenges and obstacles, the banking sector has much to gain by adopting sustainability from a social, corporate governance and economic perspective.

Integration of Payment Banks into Daily Life in Delhi NCR

Integration of Payment Banks into Daily Life in Delhi NCR

Sustainable supply chain financing models: Integrating banking for enhanced sustainability

Sustainable supply chain financing has emerged as a pivotal strategy in contemporary business paradigms, aiming to harmonize economic growth with environmental stewardship and social responsibility. This review delves into the integration of banking mechanisms within sustainable supply chain financing models to foster enhanced sustainability across diverse industries. In recent years, the concept of sustainability has gained momentum, prompting organizations to reevaluate their operational frameworks to mitigate environmental impacts and address societal concerns. Supply chain financing, a financial tool facilitating transactions among interconnected entities within the supply chain, plays a crucial role in advancing sustainability objectives. By integrating banking institutions into these models, businesses can leverage financial expertise, resources, and networks to bolster sustainable practices throughout the supply chain. This review explores various dimensions of sustainable supply chain financing models, highlighting the significance of banking integration. Firstly, it elucidates the evolving landscape of sustainability in supply chains, emphasizing the imperative for concerted efforts to reconcile profitability with environmental preservation and social welfare. Secondly, it examines the multifaceted benefits of integrating banking institutions into supply chain financing mechanisms, including access to capital, risk mitigation, and expertise in sustainable finance. Moreover, the review discusses the emergence of innovative financial instruments such as green bonds, sustainability-linked loans, and supply chain finance programs tailored to promote sustainability goals. These instruments not only provide financial incentives for sustainable initiatives but also foster transparency and accountability throughout the supply chain ecosystem. Furthermore, the review addresses challenges and opportunities associated with integrating banking into sustainable supply chain financing, including regulatory complexities, technological advancements, and stakeholder collaboration. It underscores the need for strategic partnerships between businesses, financial institutions, and regulatory bodies to navigate these challenges effectively and realize the full potential of sustainable supply chain financing. The integration of banking institutions into sustainable supply chain financing models presents a promising avenue for advancing sustainability agendas across industries. By harnessing financial innovation and collaboration, organizations can foster resilience, efficiency, and ethical conduct within their supply chains, contributing to a more sustainable and inclusive global economy.

Blockchain Integration in Banking: A Fintech Revolution

This research paper delves into the transformative impact of blockchain technology on the banking sector, ushering in a new era of financial technology (fintech) innovation. The study examines the fundamental shifts in traditional banking paradigms as blockchain integrates into various facets of financial operations. Highlighting the unparalleled security features of blockchain, the paper explores how it mitigates fraud, ensures transparent transactions, and fortifies data integrity. The efficiency gains from decentralized ledger systems are analysed, shedding light on streamlined processes, reduced costs, and accelerated transaction speeds.Furthermore, the research discusses the challenges and regulatory considerations accompanying blockchain adoption in banking. As fintech disrupts conventional banking norms, this paper evaluates the implications for financial institutions and their customers. By scrutinizing real-world examples and case studies, it provides insights into successful blockchain implementations and lessons learned from early adopters. In essence, this research illuminates the intricate dynamics of the fintech revolution within the banking industry, offering a comprehensive understanding of the present landscape and the promising future that blockchain integration heralds.

International expert meeting on the donation and use of human milk: Brief report.

Where a mother's own milk is not available or is insufficient, donor human milk (DHM) processed by a human milk bank (HMB) is the recommended next best alternative. HMBs exist in over 65 countries. However, most countries have yet to establish national policies or programmes that support the provision of DHM. In July 2019, a group of international experts in fields relevant to human milk banking gathered at a meeting organised by the Institute of Biomedical Ethics, University of Zurich, and co-sponsored by the World Health Organisation. Prompted by the growing interest globally in creating and sustaining HMBs and addressing current safety and ethical concerns and standards, the aims of the meeting were to define knowledge gaps, determine the need for and scope of global guidelinesand provide recommendations on steps that need to be taken at the international level. Following wide-ranging discussions that included the integration of milk banks into health care systems, strategy and policy, quality and safety, the use of DHM and associated ethical considerations, the overall conclusion of the meeting was that in the absence of global recommendations on the implementation, operation and regulation of HMBs, evidence-based guidance is urgently needed.

AI's evolving impact in US banking: An insightful review

This paper presents an in-depth review of the evolving impact of Artificial Intelligence (AI) in the US banking sector, focusing on how AI technologies are revolutionizing various aspects of banking operations. The review synthesizes information from a wide range of sources, including industry reports, academic literature, case studies, and expert interviews, to provide a comprehensive understanding of AI's role in the banking industry. The key findings of the review indicate that AI has significantly improved operational efficiencies in banks by automating routine tasks and enhancing decision-making processes. AI applications in customer service, such as chatbots and virtual assistants, have transformed customer interactions by offering round-the-clock support and personalized financial advice. In the realm of risk management, AI algorithms have proven effective in detecting fraudulent activities and managing credit risks, outperforming traditional methods through advanced data analysis capabilities. Additionally, AI is playing a crucial role in helping banks comply with regulatory requirements by automating compliance processes and conducting real-time transaction monitoring. The review concludes that AI offers substantial opportunities for innovation and efficiency in the US banking sector. However, it also highlights the challenges associated with AI adoption, including ethical issues, data privacy concerns, and the imperative for workforce up skilling. The paper emphasizes the need for a strategic approach to AI integration in banking, where technological advancements are balanced with human oversight, ethical considerations, and regulatory compliance to maximize the benefits of AI while mitigating its risks

Stochastic Mixed-Integer Branch Flow Optimization for the Optimal Integration of Fixed-Step Capacitor Banks in Electrical Distribution Grids

Context: The use of capacitor banks is the most common and preferred solution for reducing power loss in electrical distribution networks, given their cost-effectiveness and low maintenance requirements. However, achieving their optimal integration in terms of location and size is a challenging problem. Method: This paper proposes a stochastic mixed-integer convex model based on a branch flow optimization model, which incorporates three different load-generation conditions, in order to address the stochastic nature of distribution systems.Results: The simulation results indicated that the proposed stochastic mixed-integer branch flow (SMIBF) model provides the best solution for all test feeders analyzed, reducing the objective function value by 39.81%, 35.29%, and 56.31% for the modified 33-, 69-, and 85-node test feeders, respectively.Conclusions: An SMIBF model was developed to optimally integrate fixed-step capacitor banks into electrical distribution grids. This model considered the stochastic nature of distribution systems under multiple operating conditions and ensured that the global optimum could be found.

Integrating Banking and Health Insurance for Secure Future

Abstract -In an era marked by technological advancements and interconnected financial services, the integration of banking and health insurance emerges as a strategic approach to foster a secure future for individuals. This conceptual framework envisions a seamless synergy between the banking and health insurance sectors, leveraging data analytics, blockchain technology, and artificial intelligence to enhance customer experiences, mitigate risks, and promote overall financial well- being. The integration process involves the convergence of financial and health data, allowing for a more comprehensive understanding of an individual's financial and health profile. Through secure data sharing mechanisms and advanced analytics, this integrated system enables personalized financial and health planning, ensuring that individuals are better equipped to manage unforeseen medical expenses without compromising their overall financial stability. Blockchain technology plays a pivotal role in establishing a secure and transparent infrastructure for data sharing and transaction processing. Smart contracts, built on blockchain, automate claims processing and facilitate real-time settlement, reducing administrative overhead and enhancing efficiency in the health insurance domain. Additionally, the decentralized nature of blockchain ensures the integrity and confidentiality of sensitive health and financial information. Artificial intelligence further enhances the integrated system by providing predictive analytics and risk assessment tools. By analyzing individual health data, spending patterns, and lifestyle choices, AI algorithms can predict potential health risks and recommend personalized insurance and financial products. This proactive approach not only empowers individuals to make informed decisions but also allows insurers and banks to offer targeted solutions that align with customers' evolving needs. Furthermore, the integration of banking and health insurance creates opportunities for innovative financial products, such as health savings accounts linked to investment portfolios. This dual-purpose approach encourages individuals to save for both their short-term medical needs and long-term International Journal of Scientific Research in Engineering and Management (IJSREM) Volume: 08 Issue: 01 | January - 2024 SJIF Rating: 8.176 ISSN: 2582-3930 © 2024, IJSREM | www.ijsrem.com DOI: 10.55041/IJSREM28065 | Page 2 financial goals, fostering a culture of financial responsibility and resilience. Keywords :- Integrated Financial Services,Data Analytics ,Blockchain Technology,Artificial Intelligence,Predictive Analytics,Risk Assessment ,Smart Contracts,Personalized Financial Planning ,Health Insurance Innovation

Simulation of a Hybrid System Wind Turbine-Battery-Ultracapacitor.

In order to improve the predictability of power generation from wind, short term energy storage in batteries combined with ultra capacitors (UCaps) is proposed. The system is simulated with SIMULINK and contains detailed models of a lead acid battery pack and a simple model of the UCap bank. The wind energy conversion system (WECS) is simulated by measured time series with a time resolution of one second. The objective of the simulation is to determinate the system configuration that is able to guarantee a predictable energy output to the grid during a given time interval. Within this time, the storage system should be able to compensate all type of rapid changes originated by wind speed fluctuations. Another important issue is the integration of an ultra capacitor bank. It is investigated its influence on the charge and discharge stress of the battery. It is demonstrated that quick changes in wind power generation can be covered by a reasonable size of battery capacity for a prediction time interval of 10 min. Very short transients in energy flow (1-10 s) are absorbed by the UCap bank which minimizes the deterioration of the battery because important current peaks do not reach the battery. The final system design is based on measurements at a 600 kW constant speed WECS. Its typical, very sharp changes in power output (more than 200 kW/s possible) are smoothed by a 500 Ah lead acid battery with 300 cells in series (voltage range: 480 – 720 V). In parallel to the battery a 10 F UCap bank is connected. To hold 720 V, the bank consists of 240 UCaps connected in series (3 V / 2400 F each).

ESG Integration in Banking: Navigating Principles, Risks, and Regulations

ESG Integration in Banking: Navigating Principles, Risks, and Regulations

‘‘An Analysis Of Financial Inclusion Status In Greater Noida, Uttar Pradesh”

In an economy like India which is expanding rapidly, the business environment needs to be transformed and increase the access of financial services to the lowest level of the society. The aim of this study is to analyze the financial literacy levels and status of financial inclusion in Greater Noida district of Uttar Pradesh. Financial inclusion can be measured based on three tangible and critical dimensions viz. Branch Penetration, Credit Penetration and Deposit Penetration. Research Paper aimed to analyze these dimensions and also assess the government's financial inclusion initiatives and the financial services offered by commercial banks.Research was done through studying literature review and analyzing the data collected from the various group of residents of Greater Noida. Study revealed that there is a significant disparity in consumers' perceptions of how satisfied they are with government schemes and financial services, which prevents financial inclusion from reaching its full potential. The higher economic level group, which is also more educated than the lower economic level group, finds it easier to open bank accounts as well as access other services, indicating that financial inclusion is significantly influenced by both economic status and educational attainment. Several suggestions are also made for improving the integration of commercial banks' financial services and financial inclusion initiatives

Sustainable banking in Africa: A review of Environmental, Social, and Governance (ESG) integration

Sustainable banking, guided by Environmental, Social, and Governance (ESG) criteria, is gaining prominence as a vital strategy for fostering sustainable development in Africa. This review explores the integration of ESG factors within the African banking sector, highlighting its significance, challenges, and potential benefits. ESG integration in banking involves incorporating environmental considerations such as climate change and resource management, social factors including community development and employee welfare, and governance aspects like ethical practices and transparency into banking operations and decision-making processes. The review begins by examining the current state of the African banking sector, noting the unique economic and regulatory landscapes across the continent. It identifies key challenges in financial inclusion, economic development, and regulatory compliance that underscore the need for sustainable banking practices. The review then delves into the specifics of ESG integration, outlining strategies for environmental sustainability, such as green financing and reducing carbon footprints, social initiatives like corporate social responsibility (CSR) programs and financial literacy initiatives, and governance improvements through robust ethical frameworks and enhanced transparency. Case studies of leading African banks demonstrate successful ESG integration, illustrating the positive impacts on financial performance, reputation, and stakeholder trust. However, the review also acknowledges significant barriers to ESG adoption, including lack of awareness, high implementation costs, and regulatory hurdles. To address these challenges, the review recommends policy support, capacity building, and collaboration with international organizations. This review underscores the critical role of sustainable banking in Africa's development, advocating for a more integrated approach to ESG factors. By aligning banking practices with sustainability goals, African banks can contribute to long-term economic growth, social equity, and environmental protection, ultimately fostering a more resilient and inclusive financial system across the continent. Keywords: Sustainable Banking, Africa, ESG, Review.

How does intellectual capital drive firm performance via dynamic capabilities: evidence from India

PurposeThis study examines how intellectual capital (IC) drives firm performance via the lens of dynamic capabilities (DCs). Drawing on resource-based view (RBV) and dynamic capability view (DCV), the authors elaborate the mediating role of learning, integration and reconfiguration DC in the Indian banking context.Design/methodology/approachA sample of 358 top- and middle-level managers from the Indian banking sector was administered with structured questionnaires for data collection. Structural equation modeling (SEM) and Sobel test were used to analyze the data and test the hypothesized mediating effect.FindingsThe findings reveal that learning and integration DCs are key mediators in IC and banks' performance relationships in an emerging economy context. In contrast, the analysis revealed partial mediating role of reconfiguration DC. Furthermore, the learning DC has been identified as the primary mediating mechanism for transforming bank's IC into performance benefits.Practical implicationsThis study provides an important implication for the IC and DC link by empirically developing and validating a model in the Indian banking sector and making a several contributions to the related literature. This sector needs to incorporate and strengthen their IC and DCs to attain enhanced performance in today's dynamic environment. Bank managers can use these findings to bring their knowledge-related activities to channelize specific DCs to transform banks' IC when seeking to improve overall performance. Theoretically, this study extends previous research by outlining a set of organizational elements that tend to influence firm performances with the help of IC, learning, integration and reconfigurations DCs.Originality/valueAlthough several studies have investigated the links between IC, DC and firm performance, studies on emerging economies are scarce. This study is one of the most in-depth investigations of the relationship between IC, learning, integration and reconfiguration DCs and firm performance in an integrated framework, with a particular focus on the banking sector of an emerging economy.

The Impact of the Development of Financial Technology on the Banking Industry

With the rapid development of technology, financial technology (FinTech) is increasingly becoming a powerful driving force in the global financial sector. This paper aims to deeply discuss and study the impact of FinTech on the traditional banking industry, as well as the future trends and risks of the integration of the two. Through the method of combining literature review and case analysis, using data comparative analysis, this paper expounds three parts: the overview of FinTech the impact of FinTech on the business model of traditional banks, and the integration and development of fintech and traditional banks. Through analysis and research, this paper finds that FinTech has a continuous, relatively negative and disruptive impact on many aspects of traditional banking business in recent years, and the strategic trend of the future development of the two has a variety of possibilities as well as risks.

Post-merger IT Integration in Banking: Literature Review

IT is a critical feature of post-merger integration in modern banking but academic coverage is sparse and industry organizations keep most of the practically useful knowledge in-house. This review analyses key operational aspects of the IT integration process, identifies its core guiding principles, produces an extended process timeline, and highlights the special importance of IT risk management. It presents a holistic view of the academic theory and practice-based insights around the main stages of the IT integration process, identifies knowledge gaps, and highlights potential directions for future research.