The widespread use of digital technologies and the current pandemic (COVID) have fueled the need and call for digital transformation in the banking sector. Although this has various benefits, it is a disruption to the norm to which a bank customer has to become accustomed. This variance means...

Banking services can now be delivered digitally and many banks are downsizing their physical operations. Bank customers are also relying less on physical locations because of digital banking. Is geography indeed now less important for banks? Using quasi-exogenous closures of ATMs in a densely...

The latest advancement in financial technology has posed unprecedented challenges for incumbent banks. This paper analyzes the implications of these challenges on bank competitveness, and explores the factors that could support digital advancement in banks. The analysis shows that the...

The revised Payment Services Directive (PSD2) mandated every bank in the European Union (EU) to provide application programming interfaces (APIs) that allow every licensed company (as well as other banks) to access information gathered on customers’ payment accounts and then order payment...

The financial services sector, particularly with respect to today's banking industry, is aiming to make a digital transition. Sustainable reporting is a holistic new reporting approach in banking and has only become partially mandatory for the sector. Thus, this paper makes a contribution to the...

In a world where financial capital serves as the backbone of individual and societal economic health, understanding the mechanisms that can stimulate or hinder its accumulation is critical. This study explores how the accessibility of banking services and the integration of digital finance can...

This paper discusses the business correspondent (BC)-agent banking model in India against the backdrop of community-based rural livelihood programs, its relevance in facilitating financial inclusion in underserved rural geographies, and its potential to address the gender gap in financial...

The number of users of digital banking services has grown in recent decade, since digital banking services are being done easier, faster and at lower cost than banking services performed in a traditional face-to-face manner. Banks should work on enhancing their digital services according to...