This paper investigates factors associated with high quality Enterprise Risk Management (ERM) programs in financial services firms, and whether ERM quality enhances performance and signals credibility to the financial markets. ERM, developed with the assistance of the accounting profession,...

We study the dependence between the downside risk of European banks and insurers. Since the downside risk of banks and insurers differs, an interesting question from a supervisory point of view is the risk reduction that derives from diversification within large banks and financial...

Vor dem Hintergrund eines Wandels der Rahmenbedingungen im Finanzdienstleistungssektorgewinnt die systematische, ganzheitliche Steuerung der Aktiva undPassiva eines Unternehmens eine besondere Bedeutung. Diesem Zweck dient dassogenannte Asset Liability Management.Wir beschreiben die jeweiligen...

There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual's overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent...

Using geographic differences in ground shaking caused by a large earthquake that hit Chile in 2010 and a rich nationally representative panel data set, I find that individuals who held earthquake insurance were less likely to develop Post-traumatic Stress Disorder (PTSD) in areas that were more...

This paper is a review of fintech and its interaction with banking. Included in fintech are innovations in payment systems (including cryptocurrencies), credit markets (including P2P lending), and insurance, with blockchain-assisted smart contract playing a role. The paper provides a definition...

Monetary innovation using Technology (FinTech) portrays the advancing intersection of monetary services (Fin) and innovation in technology (Tech). It alludes to new businesses, tech companies, or even innovating old ones. We break down what FinTech is, where it's headed, how to make the most of...

W artykule zaprezentowano wyniki badania ankietowego przeprowadzonego metodą CATI na 200 respondentach na przełomie stycznia i lutego 2008 r. Badanie dotyczyło korzystania przez Polaków z usług finansowych. Jak wskazują wyniki badań, Polacy są tradycjonalistami jeśli chodzi o...

This paper reviews the efficacy of the Australian government's 2018 initiatives to counter widespread misconduct identified by its Royal Commission into misconduct in the banking, superannuation, insurance, and financial services industry. As regulators exist to protect stakeholders, there is a...