Business Models in the International Banking System—From Traditional to Innovative Banks

Orăștean, Ramona

doi:10.1007/978-3-030-01878-8_22

Cited by 3 publications

(1 citation statement)

References 5 publications

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“…The substitution of digital channels of banking services delivery for physical ones fuels this process and results in higher operational efficiency indicators: y Declining number of bank outlets per 1 bank; y Rising average assets per 1 bank outlet; y Dropping cost-income-ration (CIR) or cost-assets ratio (CAR); 3.2. More resilient retail-funding business model (Orastean, 2018) that means:…”

Section: Adoption Of Omni-channel Customer Service Modelmentioning

confidence: 99%

Methodological approach to the assessment of the national banking sector transformation under the influence of fintech

Turuev

Shashkina

2023

Vestn. Ross. univ. družby nar., Ser. Èkon.

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Banking sector often acts as the strong driver of innovations, not only due to the financing capital power, but also because of the surging consumption of the digital economy products, for instance, cyber-security platforms, new client’s identification methods and predictive analytics for better needs catering. In recent years, many countries witnessed rapid change in financial products delivery methods, however, the experience was not accumulated and structured on the level of the whole banking sector, not on the individual banks’ level. The article contributes to the theoretical and methodological summarizing of the main directions of the banking sector transformation under the influence of the fintech industry. The methodological framework of the research includes the fundamental approach to the industry analysis. The review of the dynamic of the basic balance sheet and PL ratios demonstrated that the main directions of the transformation are the surging competition observed by the pricing indicators, larger digital clients share and more sustainable financial model (operational efficiency, income sustainability, retail-based funding). Based on comparative statistical and variation analysis, the rating measuring the overall level of the banking sector transformation was constructed. The rating allowed to distinguish 3 groups of countries with China and Great Britain leading the rating of the most modified banking sectors. Correlation analysis proved the rating relevance.

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Section: Adoption Of Omni-channel Customer Service Modelmentioning

confidence: 99%

Methodological approach to the assessment of the national banking sector transformation under the influence of fintech

Turuev

Shashkina

2023

Vestn. Ross. univ. družby nar., Ser. Èkon.

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Business model innovation in the banking sector: How digital technologies transform innovation drivers in value mechanisms innovations

Mancuso,

Petruzzelli,

Panniello

et al. 2025

Journal of Engineering and Technology Management

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The impact of COVID-19 on digital-only banks: are they winners or losers?

Schmidt-Jessa

2022

J Bank Regul

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The main objective of this paper is to determine the impact of the COVID-19 pandemic on the operations of digital-only banks. In order to achieve the main objective, two methods have been used. The first method is a strategic analysis, and the second method is a financial analysis of the digital-only banks covering two periods, that is, before the emergence of the COVID-19 pandemic (2018–2019) and during the coronavirus pandemic (2020). The strategic analysis of digital-only banks has shown that they have many weaknesses, as well as the fact that they face numerous threats, which are due to the age of fintech banks and competition from traditional banks creating and developing mobile and Internet banking. Preliminary analyses conducted for digital-only banks indicate that most of them generated losses, and these losses were already at the operating level. The return on assets and return on equity ratios showed a slight improvement in 2020, and in most cases the interest income generated was higher than the interest expenses.

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Business Models in the International Banking System—From Traditional to Innovative Banks

Cited by 3 publications

References 5 publications

Methodological approach to the assessment of the national banking sector transformation under the influence of fintech

Methodological approach to the assessment of the national banking sector transformation under the influence of fintech

Business model innovation in the banking sector: How digital technologies transform innovation drivers in value mechanisms innovations

The impact of COVID-19 on digital-only banks: are they winners or losers?

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