Aug'19


The IUP Journal of Bank Management

ISSN: 0972-6918

A 'peer reviewed' journal indexed on Cabell's Directory,
and also distributed by EBSCO and Proquest Database

It is a quarterly journal that focuses on Risk management, Forex markets, Retail banking, Banking-supervision and Regulatory mechanisms, Convergence of financial services and E-Banking, HRM banking, ICT in rendering banking solutions, Blockchain and Cyber security.

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Digitalization and Business Model: The Case of European Banks
50
Intellectual Property-Based Debt Financing by Indian Banks: Scope and Challenges
50
The Relational Impact of Employee Satisfaction on Customer Satisfaction in Banking Industry: An Empirical Study
50
Factors Influencing Customer Preference Towards Banks
50
     
Contents : (Aug 2019)

Digitalization and Business Model: The Case of European Banks
Elisa Di Febo and Eliana Angelini

The objective of this paper is to study the impact that internet banking and business models have on the performance and reduction of bank branches. The dataset is composed of European banks for the period 2011 to 2016. The methodology used is that of the instrumental variables. According to BankFocus database, the banks are of three different business models: commercial banks, cooperative banks and savings banks. The results show different behaviors of each business model for both the analyses. While the “Commercial bank” has a negative relationship with the variable of the Net Interest Income and branches, the “Cooperative bank” has a positive impact. The cooperative banks have shown that they are able to bring banking and financial services to places whose small size or the insufficient presence of production units did not justify the cost of a branch. Moreover, their customers use internet banking only to conduct daily operations and they go in for branches for all operations like investments or trading.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

Intellectual Property-Based Debt Financing by Indian Banks: Scope and Challenges
Bibekananda Panda and Sara Joy

Knowledge-based capital is progressively becoming a significant source of economic growth worldwide. The asset structure of some of the major companies, globally, reveals that knowledge assets are becoming more valuable than physical assets in today’s world. India’s knowledge economy continues its steady progress, supported by increasing Intellectual Property Rights (IPR) awareness at the grassroots level. As innovation-driven startups are scaling up, they require increased access to capital and market to monetize their IPRs for business development and thus to create maximum social impact. The present study has noted that startups in India face difficulties in raising the necessary capital for their growth due to insufficiency of tangible assets for collateral purpose. Though certain commercial banks are supporting startups, it is done mainly through venture capital route (equity financing). Debt financing of IPRs is an untapped market in India, though SARFAESI Act (2002) has clearly defined knowledge capital as assets. Financial market imperfection in India is leading to suboptimal investments in knowledge capital. Improper valuation mechanism is a major constraint restricting financial institutions from providing debt finance support to IPR-based companies. The provision of debt finance to knowledge-based startups will bring a win-win situation for banks, startups and economy. A well-defined institutional mechanism for bringing out transparency and reliability through the introduction of disclosure requirements or measures to foster clarity in patent claims would go a long way in securitizing IPRs in India. Securitization of IPRs would boost market confidence and acceptance of IPRs as collaterals. Government support to the development of IPR market in the form of valuation, securitization and risk-sharing are necessary to support the capital-starved knowledge-based startups.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

The Relational Impact of Employee Satisfaction on Customer Satisfaction in Banking Industry: An Empirical Study
Vandana Pareek

There have been differing opinions among researchers on the relationship between employee satisfaction and customer satisfaction. A few found strong correlation between the two constructs, while others found weak or no relationship. This paper aims at establishing a relation between employee satisfaction and customer satisfaction with reference to banking industry. The paper demonstrates empirically that customer satisfaction, which has been established as indispensable for business growth and sustainability, is actually impossible without satisfaction of employees who are the precious resource of the organization. The paper also guides the managers on the philosophy of ‘employee comes first’. The linkage between employee and customer becomes all the more significant in service sector where customer-employee interaction is very high.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

Factors Influencing Customer Preference Towards Banks
Ashok Panigrahi

With growing competition in the banking industry and similarity of services offered by banks, it has become increasingly important that banks identify the factors that determine the basis upon which customers choose banks. Therefore, this study examines the factors that influence the customers of different generations, specifically Generation X and Generation Y, in selection of banks in Mumbai region. The main objective is to understand the preference of customers with respect to selecting banks in the retail sector vis-à-vis sector of the bank, interest rate and e-banking services provided.


© 2019 IUP. All Rights Reserved.

Article Price : Rs.50

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