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The study aimed to demonstrate the impact of Total Quality Management on the quality of banking services in banks operating in the state of South Darfur - By studying the impact of the four dimensions of total quality management (senior management support, continuous improvement, customer focus, and information-based decision-making) on the quality of banking services, the study used the descriptive analytical approach using the questionnaire as a tool to collect field study data, where the study sample consisted of (100) individual employees of banks operating in the state of South Darfur - Nyala city, The study concluded that there is a statistical impact of Total Quality Management on the quality of banking services in banks operating in the state of South Darfur, There is a statistical effect of continuous improvement on the quality of banking services, there is a statistical effect of making decisions based on information on the quality of banking services, and there is a statistical impact of senior management support on the quality of banking services, the study recommended the need for senior management to adopt the Total Quality Management System in all its banking activities, and work on the application and evaluation of the Total Quality Management System in banks on an ongoing basis. [ABSTRACT FROM AUTHOR]

This paper considers a model where banks may improve the returns on loans by monitoring borrowers. Bank regulation, together with competitive deposit and equity financing, can give banks an incentive to sell loans, but the extent of their loan selling is limited by a moral-hazard problem. A solution is given for the optimal design of the bank-loan buyer contract that alleviates this moral-hazard problem. An explanation is also given as to why some banks might buy loans and why loan sales volume has recently increased. [ABSTRACT FROM AUTHOR]

Purpose The purpose of this paper is to determine factors influencing customers’ usage of electronic banking (e-banking) services.Design/methodology/approach A survey was conducted to collect information from bank customers regarding their perceptions about e-banking services and their demographics. Multiple regression analysis is used to test the hypothesised relationships.Findings E-banking usage is found to be high for female, more educated, younger, and middle income customers. Among the 11 perceptual variables studied, only six variables, namely: information, performance, self-interest, service quality, satisfaction, and experience are found to be significantly and positively associated with e-banking usage.Practical implications This study identifies factors which may be focussed on by bankers during the formulation of their operations and marketing strategies to provide the best e-banking experience to their customers, enabling bankers to augment bank profitability through the strategic use of technologies.Originality/value Past studies have seldom examined the combined influence of demographics and other factors on e-banking services usage in the context of developing countries. Most of the earlier studies have considered single service or examined the adoption as only a binary variable. [ABSTRACT FROM AUTHOR]

Purpose -- The purpose of this paper is to explore the banking experiences and awareness of marketing efforts of banks among youth in mainland China. Design/methodology/approach -- Four focus-group interviews were conducted. A convenience sample of 26 participants aged 17 to 20 years was recruited in Laiwu, Shandong, a medium-sized city in China. They were asked to report experiences that could illustrate good and bad banking services. They were also asked to recall bank marketing promotions. Findings -- Participants' perceived service quality of banks was determined by staff attitude, service delivery, physical environment and comparison of user experience. The marketing communication activities they recalled most frequently included product placements, advertising slogans, entertaining commercials and co-branding with online games. Research limitations/implications -- The findings were based on a non-probability sample. The study also did not differentiate between personal experience and indirect experience with family and friends. Similar studies can be conducted in large cities or in rural China to compare banking experiences in different social economic settings. Further studies can be designed using quantitative methodology to measure the importance of various factors in influencing perceptions of service quality. Online banking experience can also be studied in the future. Practical implications -- Banks in China can enhance their competitiveness and brand reputation through raising the professionalism of their front-line staff, improving efficiency and transparency and streamlining the service process. Banks can make contacts with youth through offline and online promotional activities, such as co-branding with popular online games. Originality/value -- This is the first study on banking services among youth conducted in a medium-sized city in China. [ABSTRACT FROM AUTHOR]

We have witnessed in recent years the emergence of a number of programs that support financially the establishment of new firms (the so-called start-ups). Of these, the most prominent is the program launched by the Ministry of Business, Trade and Entrepreneurship under the title „Start-up Nation". The role of banks in this program has been and remains significant. This article gives a critical insight into the issues faced by last year's participants in this program, especially those related to the quality of banking services, and gives some suggestions for improvement to one of the banking institutions involved in the Start-up Nation program. We also point out the strategic vector role of the quality of banking services in the context of their involvement in the national development. [ABSTRACT FROM AUTHOR]

Increasing the competitiveness of organizations by promoting quality, is a specific and constant concern of the European Union, thus creating, legislative and institutional framework for achieving this goal. This concern is focused on promoting an ambitious policy on qualitythat facilitates increased competitiveness of EU Member States. National model of quality that exists in Romania is based on the philosophy of continuous improvement related to clear values. The last decade and a half has been for the banking system for a period of radical change, which aimed not only upgrading, creating appropriate legal and institutional framework and a diversified banking products and services, and the assimilation of the acquis communautaire and alignment policies, strategies and practices of the European Union. In the present study identified ways and means to improve the quality assurance system of banking services in Romania. [ABSTRACT FROM AUTHOR]

This paper intends to analyze and to characterize activities specific to financial - banking marketing. Banking marketing is the most important marketing tool, that allows the development of bank activity, improve the performance and achieve its strategic objectives. Increasing the importance of marketing in banking activity is determined by the development of banking industry, increasing the complex environment in which acts banks and increasing competition on the banking market. Banking promotion is the method which banks use to spread the world about their products and services to customers. Many banks use a mix of advertising, to promote their banking product and services. Banks have a unique challenge when it comes to marketing, because they do not offer tangible products for consumers. Promoting a bank requires to convincing consumers to trust a bank with their money and make customers feel like they are getting the most value for their money. [ABSTRACT FROM AUTHOR]

The third additional provision of Law 3/2009 in respect of corporate reorganizations has created a new category of partial spin-offs of networks of bank branches which permits the transfer of their assets and liabilities by way of <> (sucesión universal). The coordination of the contractual and corporate aspects of the transaction presents significant challenges. [ABSTRACT FROM AUTHOR]

In this article, I suggest a theoretical explanation for the recent spectacular growth of the loan sales market in terms of both quantity and quality. I show that banks can use loan sales as a strategic tool in order to preserve their informational advantage in a competitive environment. I consider a two-period competition model where banks acquire private information about their clientele during the lending relationship and where there is informational asymmetry in the loan sales market. In spite of the information dilution costs incurred in selling high-quality loans, banks have an incentive to imitate low-quality loan holders by selling their loans in order to avoid communicating negative signals about the quality of their clientele to potential competitors. As a result, loan market competition can lead to the emergence of a liquid loan sales market in which both low- and high-quality loans coexist, thereby improving the quantity and quality of the loan sales market. [ABSTRACT FROM AUTHOR]

In this paper we model and empirically test the impact of banks' shift towards financial services on their screening activity and on the quality of their loans. We present a model where it is easier to sell services to positively evaluated loan applicants and we show that the larger the banks' income from services, the lower their optimal screening effort. This prediction is consistent with the empirical evidence based on a panel of European banks and showing that the quality of banks' loans decreases with the share of commission income (a proxy for income from services). [ABSTRACT FROM AUTHOR]

We highlight the implications of combining underwriting services and lending for the choice of underwriters and for competition in the underwriting business. We show that cross-selling can increase underwriters' incentives, and we explain three phenomena: first, that cross-selling is important for universal banks to enter the investment banking business; second, that cross-selling is particularly attractive for highly leveraged borrowers; third, that less-than-market rates are no prerequisite for cross-selling to benefit a bank's clients. In our model, cross-selling reduces rents in the underwriting business. [ABSTRACT FROM AUTHOR]

The recent recognition of the matricula consular as an acceptable form of alien identification by financial institutions has increased undocumented Mexican immigrants' access to U.S. banking services. Usage of the banking system's low-cost wiring and money-transfer services may encourage Mexican immigrants to save and potentially transfer more money to Mexico. We use data from the Mexican Migration Project (MMP107) to examine the hypothesis that immigrants with access to banking services in the United States between 1970 and 2004 sent back more funds to Mexico than their unbanked counterparts. We find that banking among Mexican immigrants in our sample is limited. While having a U.S. bank account does not appear to significantly raise monthly remittance flows by Mexican immigrants, it does help boost the amount brought back home. Thus, our analysis sheds light on the potential effects of matricula cards on the future flow of remittances to Mexico. [ABSTRACT FROM AUTHOR]

This paper is a study of cross-selling practices in Indian public and private sector banks through the case study method. The study revealed that cross-selling practices in public sector and private sector banks are quite different. These differences emerge mainly from their different philosophy, background and distinct target customer segments. However, both sectors can learn from each other; public sector banks can introduce specialised training and incentives, whereas private sector banks need to introduce appropriate control mechanisms and avoid indiscriminate cross-selling. The paper also brings out the elements of successful cross-selling in India.Journal of Financial Services Marketing (2006) 10, 123–134. doi:10.1057/palgrave.fsm.4760027 [ABSTRACT FROM AUTHOR]

Presents information on a study that focused on the prediction of cross-selling opportunities and attempted to answer the questions of who is likely to buy additional products from the same company, what the next product is likely to be and when the purchase is likely to be made. Methodology of the study; Results and discussion on the study; Conclusion.

Discusses the factors to be considered in selling a bank. Information on the compensation ratio; Effect of deal prices on compensation ratio; Market conditions which are attractive to bank sellers.

Bank lending traditionally involves the extension of credit that is held by the originating bank until maturity. Loan sales allow banks to deviate from this pattern by transferring loans in part or in their entirety from their own books to those of another institution. I use a new methodology to test the validity of two hypotheses regarding banks' motivations for selling and buying loans: (1) the comparative advantage hypothesis, that banks with a comparative advantage in originating loans sell and those with a comparative advantage in funding loans buy; and (2) the diversification hypothesis, that banks lacking the ability to diversify internally use loan sales and purchases to achieve diversification. I also address the possibility that information asymmetries may increase the cost of participating in secondary markets. Particular attention is paid to the importance of affiliate relationships in overcoming informational barriers to participation. The empirical evidence presented here helps clarify the benefits of an active secondary loan market and generates predictions regarding the future of that market in a world of rapid consolidation and disappearing barriers to geographical expansion. [ABSTRACT FROM AUTHOR]

Describes how database marketing and technology generate outbound telemarketing sales at Hibernia National Bank. Declining branch selling opportunities; Planning outbound telebanking; Eight-step sales process; Technology improvements.

Competition fostered by deregulation of the US banking industry, along with increasing complex product offerings and the growth of importance of relationship banking have brought the need for personal selling effectiveness to the forefront in the US banking industry. An extensive comparison of 1983 and 1988 measures shows that little overall change has taken place in the sales orientation of US banks in the last five years. [ABSTRACT FROM AUTHOR]

Examines the role and importance of customer-contact personnel in the marketing of a bank's financial services and the importance of customer service in retail banking. Customer-contact personnel from suburban branches of an Australian retail bank identified their level of agreement with statements dealing with customer purchase perceptions, customer purchase behaviour, the personal selling of services and their role and importance in the marketing of the bank's financial services. The results were interesting in that they indicated several key factors that affected service purchase encounters. These factors included the organization's reputation, the role of the customer-contact personnel in the service encounter, level of reward given to the customer-contact personnel for their contribution, the significance of an official sales training programme, word-of-mouth communication and the relationship between the salesperson and the customer. [ABSTRACT FROM AUTHOR]

Presents abstracts of and keywords from articles in Numbers 2 and 3 of Volume 14 of the 'Journal of Services Marketing.' Services marketing; Banking services and mergers; Customer satisfaction; Service quality; Others.