Information management is a core process in banking, in particular when lending to small, opaquefirms. But while a more intensive use of information technology (IT) can enhance informationmanagement, it is also costly. Merely increasing IT expenditure may thus not be a panacea tooptimize...

The increased need/wish for mobility amongst various sections of the society, particularlyamongst professionally active groups, is confronting credit institutions (banks) and otherenterprises offering financial services, with challenges to adjust their service portfolio in away to best suit the...

This paper proposes a model that links households and firms, as usual, by markets forfactors and goods and, additionally, by a banking sector that channels households’funds to firms and eliminates idiosyncratic risk. In equilibrium, agency costs and taxbenefits of corporate debt are equalizing...

We examine the dynamics of bank lending to the private sector for countries of theEuro area by applying a Markov switching error correction model. We identify forBelgium, Germany, Ireland and Portugal stable, mean reverting regimes andunstable regimes with no tendency to return to the long term...

Ein zunehmender Dezentralisierungsgrad der Finanzdienstleister undwachsendes Risikopotential erfordern effiziente Steuerungsmechanismen zur Koordinationder dezentralen Geschäftseinheiten im Hinblick auf Gesamtbankziele und globaleRestriktionen wie aufsichtsrechtliche Eigenkapitalgrundsätze....

Increasing importance of information andcommunication technologies (ICT), new regulatoryobligations (e.g. Basel II) and growing external risks(e.g. hacker attacks) put Security Risks in themanagement focus of banking companies. Themanagement has to decide whether to accept ExpectedLosses or to...

Bis Anfang der 90er Jahre war der Banken- und Versicherungsbereich aufgrundhoher Markteintrittsbarrieren durch wenig Wettbewerb und geringeMarktdynamik gekennzeichnet. Hierbei spielten insbesondere institutionelleBarrieren (in Gestalt branchenspezifisch und national...

In the wake of Web 2.0 applications, nearly every branch is influenced by this new understanding ofthe Web. The Banking industry is facing a phenomenon called Peer to Peer Banking, where customerstend to know exactly who gets their invested money. They want to know the people behind thecredit...

Zu Beginn des dritten Jahrtausends befindet sich der Markt für Finanzdienstleistungen in einer Situationdes radikalen Umbruchs. Ermöglicht durch die dynamischen Entwicklungen im IT-Bereichwurde der Wettbewerb durch innovative Neueintreter verschärft. Als Reaktion auf Deregulierungund sinkende...