This paper aims to point out some strategic and operating issues concerning the economics of information technology in the retail banking industry. The first section of this paper explains the economic reasons behind the trend in the Italian retail banking market. The second section analyses the...

This paper aims to investigate the impacts of technological innovations in banking firms. In particular, it aims to explore some strategic and operating issues concerning the production and distribution processes of banking instruments and services. The first section of this paper describes the...

The interest rate risk is the degree of exposure of a bank's financial condition to adverse movements in interest rates. Changes in interest rates affect a bank's earnings by changing its net interest income and the level of other interest-sensitive income and operating expenses. Changes in...

The paper evaluates the impact of the new bank capital adequacy framework on the bank lending business model. Particularly, the first section compares the standardized approach with the internal rating based approach. The second section analyses the impact of the rating quantification and rating...

The paper examines the diffusion of information technology in the economics of Italian banks. The wide spread of information and communication technology is improving banking and financial services delivery to customers. Particularly, the paper adopts a knowledge management perspective to...

The gradual changes of the international and national financial system has increased risks that banks have to face and has required stronger and more accurate instruments to monitor, to measure and to manage credit risks. The Basel Committee on Banking Supervision has developed a new framework...

The paper aims to investigate some significant critical issues of the national and international regulation of bank interest rate risk. Particularly, the paper examines the link between internal models and standardized models used by banks to provide financial information to banking authorities...

Interest rate risk is the exposure of a bank's financial condition to adverse movements in interest rates. Changes in interest rates affect a bank's earnings by changing its net interest income and also affect the underlying value of the bank's assets, liabilities and off-balance sheet...

The paper aims to identify some case history (Bank Dagang Bali, Bank Rakyat Indonesia, Badan Kredit Desa, Grameen Bank in Bangladesh) to better understand the financial sustainability of microfinance projects. Microfinance has evolved as an economic development approach intended to benefit...

The paper aims to evaluate the role of the financial communication instruments in the economics of banking firms. The central question in my paper is to identify the relevant drivers of the value creation in the corporate communication processes