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Showing 1 to 10 of 11 (0.363 seconds)Spelling suggestions: "subject:"financial ervice aindustry"" "subject:"financial ervice anindustry""
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An assessment of the financial challenges and prospects of SMMEs dealing with services in Botswana / Irene Pinkie MotsomiMotsomi, Irene Pinkie January 2010 (has links)
There are many obstacles to survival and growth of Small, Medium and Micro
Enterprises (SMMEs) dealing in services, one of which is the financial aspect. The
current study evaluates how these four aspects fair with regard to SMMEs as well as
how they contribute to performance. The findings from the literature review enabled
the researcher identify the financial aspect as being composed of funding, financial
planning, financial records maintenance, and working capital management. The
findings from the primary study enabled the researcher identify working capital and
funding as being the two aspects of financial aspect that contributed immensely to
the performance of SMMEs in the services sector. Funding was also identified as
being the biggest challenge to survival of SMMEs. / Thesis (MBA) North-West University, Mafikeng Campus, 2010
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Strategic Alliances: Performance Measurementin the Financial Service IndustryCase study : The Beneficial Life Insurance S.A. and MicrofinanceInstitutions in CameroonAnouar, Soldi, Dze Chi, Jonathan January 2012 (has links)
Title: Strategic Alliances: Performance Measurement in the Financial Service IndustrySubtitle: Case study: The Beneficial Life Insurance S.A. and Microfinance Institutionsin CameroonAuthors: Chi Jonathan Dze & Anouar SoldiSupervisor: David GilbertBackground: Due to the globalization, companies choose different strategies in order tosurvive. Some run towards the vertical integration in order to control the wholeproduction process, others outsource in order to reduce the productions costs, others gofor strategic alliances aiming to strengthen their market positions by bringing the lackedresources and competencies.Aims: To find a defined combination and set of factors that lead to the success of thiskind of partnerships, and to cover the lack of inexistence of one vision of measuring thesuccess of strategic alliances, especially in the service industry.Definition: We find in Varadarajan and Cunningham (1995) that strategic alliances aredefined as "the pooling of specific resources and skills by the cooperating organizationsin order to achieve common goals, as well as goals specific to the individual partners".Completion and Results: The success factors of strategic alliances in general aredifficult to be concretely measured. Still, we managed to find a model that can be usedby these companies as a guideline for the evaluation.Search terms: Strategic alliances, collaboration, success measurement, success factors,service industry
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Competitive Advantage in the Service Industry : The Importance of Strategic Congruence, Integrated Control and Coherent Organisational Structure – A Longitudinal Case Study of an Insurance CompanyPoth, Susanna January 2014 (has links)
Competitive advantage has received considerable attention. Few studies have however chosen a holistic approach taking multiple aspects and organisational levels into consideration. This research has the goal of filling parts of this void. The aim is to deepen the understanding of competitive advantage in the service industry by analysing how alignment of strategy, control and organisation structure on multiple organisational levels impacts competitive advantage of a service company over a long period of time. Based on the idea of multiple factors and the importance of connecting different levels with each other, including production level, a framework for the service industry is developed based on the ideas of Nilsson and Rapp (2005). The framework is used to analyse the rich data gathered in a longitudinal case study of an insurance group embracing the environmental changes and the choices taken as well as the resulting competitive position. According to the analysis, the Insurance Group is not ensuring an overall coordination of its activities, although there is a fit among some dimensions. The level of misalignment increased over the time, as a result of changes in the environment and less than consistent management decisions. Although the Insurance Group has been profitable and increased its market share since its foundation, the competitive advantage, measured as performance compared to market average, decreased. The declining performance combined with the increasing level of misalignment supports the assumed importance of reaching a consistent positioning among strategy, control and organisational structure. It can therefore be presumed that strategic congruence, integrated control and coherent organisational structure influence competitive advantage. However, due to the semi-protected insurance market the effects are weaker than they probably would have been in a more competitive and unpredictable market. The Insurance Group inherited valuable and unique resources at its foundation. Their apparent stable value ensures the Insurance Group a competitive advantage, although no activities are undertaken to strengthen or even to maintain them. It can therefore be concluded that an integrated approach of competitive advantage where both positioning framework and valuable resources are used as complementarities seems to be beneficial when competitive advantage is studied. / Strategy, Control and Competitive Advantage
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Members perceptions of financial services co-operatives :a case study of Motswedi, Lothlakane, Disaneng, Kraaipan and LehurutsheMahlangu, Jenetha January 2015 (has links)
Thesis (MSc. (Agricultural Extension)) -- University of Limpopo, 2015. / Financial Services cooperatives are member based financial institutions formed, owned and controlled by members to provide financial services to their members. The concept of cooperative banking is new in South Africa and it is promoted to address financial services needs of the rural poor who would otherwise have no means of accessing financial services and use from formal banks. The study was undertaken to determine members perceptions towards financial services co-operatives in Lehurutshe, Lothlakane, Motswedi, Kraaipan and Disaneng FSC’s in the Ngaka Modiri Molemo District of North West Province. Population included 236 participants who were selected using non-probability purposive and convenience sampling method. Different data collection methods, namely, Focus group discussion, Product attribute ranking, Likert-scale and questionnaires were used. Data was analysed using Statistical Package for the Social Sciences (SPSS) computer program and presented in descriptive statistics percentages and tables. The study revealed that FSC’s members were satisfied with services and products that were offered in the cooperatives; however issues of governance, fiduciary, regulatory and member participation require immediate attention. Recommendations to strengthen the regulatory framework for FSCs and FSCs’ institutional capacity were made.
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Perception of Blockchain Technology in the Financial Service Industry : Is the hype surrounding blockchain technology warranted?Mörk Odunlami, Anders, Samuel, Damilola John January 2023 (has links)
The emergence of new digital financial technologies such as Blockchain technology, has brought about new challenges and disruptions to the financial service industry. Despite its transformative potential, the problem is that its adoption has been hesitant and sporadic. The perception of blockchain technology plays a crucial role in its potential adoption within the financial service industry. Thus, this thesis delves deeper into these perceptions by employing a qualitative research approach influenced by the Technology Organization Environment (TOE) Model. Multiple interviews were conducted with industry experts in the financial service industry to gather a variety of viewpoints. While the views on specific characteristics of blockchain technology differed among the participants, there was a general view on the positive future possibilities of the technology. An understanding of the perception of blockchain technology was established, where the perception was a mix of optimism and caution. Despite the varied opinions, the study’s conclusion is that blockchain technology has a promising future within the financial service industry. However, the shape and form of its integration within companies is a subject of debate. The paper suggests that to fully harness BT’s potential, financial institutions should take a more proactive approach to adoption where they seek to understand and perceive blockchain technology for what it is without overvaluing the negative stigma that currently revolves around the technology.
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加入關貿總協對我國金融服務業政策之影響張泳雲, Chang, Yung Yun Unknown Date (has links)
隨著資訊科技的發達，加速了各國間的往來機會，除了基於比較利益的觀點促進合作之外，自由貿易的推行往往又因各國或基於國家安全、或保護其國內幼稚產業、或平衡國際收支、或是維護其國家主權，而受到阻礙，因此各種基於政治或經濟目的的合作組織應運而生。而「關稅暨貿易總協定」(GATT)，則以確保關稅談判之成果，並以跨國間合作機構的形象，扮演著衝突的協調角色。
由於近年來，中共在國際上刻意孤立台灣，使得台灣和各大工業國幾無任何正式邦交，諮商多靠片面允諾，並造成我國常被要求須遵守GATT的各項規範及協議，但是對於我國業者在國際市場所受到的不公平，或是歧視對待，皆申訴無門。同時，國內許多產業，由於受到政策的保護，一旦面對貿易障礙解除，勢必將面臨進口產品激增及低價傾銷之威脅。此外長期受到政府嚴格管制的金融服務業，更面臨了一場空前的挑戰。因此，如何適時修正不符合GATT的國內法規、如何調整金融服務業發展策略、以及如何運用承諾表的功能以利於我國加入GATT，皆為本研究的研究動機。
基於上節研究動機，本論文研究的主要目的如下：
1. 探討目前關貿總協（世界貿易組織）及其他相關國際組織對金融服務業有哪些規範。
2. 國內現存相關法規對金融服務業之規範以及應如何調整現存政策以符合入關之要求。
3. 瞭解目前國內金融服務業的現況以及在調整的過程中，會對國內金融服務業產生何種代價及帶來哪些效益。
4. 針對國內金融服務業，詢問對國內修改的法規有何看法、要如何去調整現存的政策，及因應這股巨大的國際化、自由化的趨勢。
本研究方法採文獻探討、問卷調查及實地訪談三部分，研究對象為金融服務業，包括了銀行、證券及保險三個次業別。使用統計檢定方法，檢定金融服務業對各開放措施的態度，在不同公司特性上、次業別上是否有無顯著差異；金融服務業對各因應措施的平均重視程度，在不同公司特性上、次業別上是否有無顯著差異；以及國外、國內業者對各開放措施的態度和因應措施的平均重視程度上、是否有無顯著差異。
經由本研究結果分析，獲得以下主要八點結論：
1. 銀行、證券及保險業對共同五項的開放措施都有相近的看法。
2. 三業別平均而言，給予重要性在4.5以上的因應措施有：加強人員專業訓練、服務品質及加強資產負債管理。
3. 認為比較不重要的因應措施為：利用增資、購併，朝向多功能企業發展、增設海外據點，以及參照他國先例，加強與主管機關聯繫。
4. 三業別中，具統計顯著差異的為建立企業新形象：保險業對於建立新形象，普遍遠高於銀行及證券業。
5. 就國內及國外業者統計分析中，有顯著差異的為國外業者較重視「加強資產負債管理」之因應措施。
6. 在銀行業的開放措施申，對開放OBU吸收境內外匯存款，贊成比率佔七成以上；對開放基層機構強制性轉存款等措施，有九成贊成比率；開放銀行國外負債餘額及外匯買賣超部位限制，約有六成多贊成；而開放非銀行之金融服務公司之設立：有六成以上是持反對意見；開放OBU之設立及業務限制：有85%以上的贊成比率。
7. 證券業中，對開放證券商參與期貨業務：贊成者有77%以上；約有六成的比率贊成今年年初外資開放的措施及開放投信基金的投資範圍；對提高國外對國內證券商持股比率；約有九成贊成；引進國外優良企業來台發行有價證券，並上市上櫃：約有85%以上的贊成；開放國外個人及法人直接投資國內證券市場，則約有九成贊成。
8. 保險業中，對開放美國以外之保險公司來台設立：約有八成的業者贊成；對開放保險資金運用範圍之限制，則回答者亦有一致贊成的答案；開放其他組織型態之保險公司，約有八成五回答者贊成此措施；降低國外保險業設立標準；約只有23%的業者贊成；設立專屬保險公司並有較低之限制：亦只有過半數的業者贊成，國外業者有較高的贊成比率。統計上有顯著差異者為：成立年數愈少的業者，愈重視其形象。
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生存利基與範疇經濟之互動－以富邦金融集團相關多角化成長歷程為例 / The Interaction between Survival Niche and Economic of Scope - A study of Growing Process of Fubon Financial Group on Related Diversification Case張情福, Chang, Chin Fu Unknown Date (has links)
政府將金融中心列為亞太營運六大中心之一，由此可知，金融服務業在未來台灣經濟發展的重要性將逐漸增加，而且不論國內外，金融服務業皆有集團化的趨勢，因此，本研究希望能夠透過實務上的觀察，詳實記錄下金融服務業相關多角化的成長過程，藉以瞭解資源累積的循環過程及多角化成長歷程會遭遇的困難，希望能對集團的成長過程能有較細緻的解釋，並對金融服務業的未來成長提供一個參考。
本研究從哈佛大學企業史教授Chandler所著的“Scale and Scope”中的觀念出發，透過文獻的探討，加入交易成本及資源基礎的觀點，以核心資源為中心概念，觀察企業的成長歷程中核心資源的累積及移轉的狀況。
本研究的主要發現如下：
一、金融服務業可以人才招募及訓練、日常營運累積、高階人際網路及合作關係等方式累積資源，以達規模經濟。
二、根據核心資源的相似性，可將金融服務業區分為保險事業群、證券事業群及商業銀行等三群。
三、金融服務業間可移轉的資源具有兩種特質：高外溢效果及高交易成本。
四、資源外溢效果及交易成本的高低決定潛在範疇經濟利益大小，而組織協調能力及專業能力的高低，則決定企業所能實現潛在經濟利益的大小。
五、金融集團可以透過組織及管理設計，克服相關多角化的困難，實現範疇經濟。
觀察結果顯示核心資源的特性、組織協調能力及專業能力都會影響企業相關多角化所能實現範疇經濟的程度，值得有心進行相關多角化的企業作為參考。
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資訊科技投資績效評估指標之研究 / A Performance Indicator of IT Investment Study游秉翰 Unknown Date (has links)
近年來經濟復甦，資訊科技投資金額和規模有增加趨勢，對於資訊科技投資的報酬、評量、和優先取捨的決策再次成為資訊科技經理人的重要課題。因此，本研究經由文獻探討，定義資訊科技投資和資訊科技資本，並且嘗試發展資訊科技投資與應用的評估構面與指標，讓企業組織評估本身的資訊科技投資。透過深入的個案訪談和大量問卷調查，了解我國資訊電子業與金融服務業之資訊科技投資和應用的現況，提供參考作法，並且比較我國資訊電子業以及金融服務業兩個產業當中，資訊科技如何提昇公司組織的競爭優勢。
研究結論發現，我國資訊電子業的資訊科技投資貢獻主要來自三個方面，首先是策略貢獻度、再者是降低成本貢獻度、其次是流程效率貢獻度；我國金融服務業在資訊科技產出構面，於個案訪談和問卷調查結果同時關心創新重視度、降低成本貢獻度、流程效率貢獻度，同時也注重供應商與客戶關係要求度、供應商與客戶關係貢獻度。因此，資訊科技經理人首要目標則為協助企業以最少的企業資源來掌握關鍵的資訊科技投資績效指標，以提升企業的競爭力。 / In recent years, organizations have invested heavily in information technology to support their work processes. Therefore, how to evaluate and assess the return on IT investment becomes a critical issue for IT managers again. This study strives to develop the dimensions and indicators of IT investment so as to help organizations to assess their IT investment. In addition, through case studies and questionnaire investigations, this study investigates the IT investment status in information electronic and financial service industries that provides reference for other organizations. Finally, this study tries to find out how to increase organizational competitive advantages by IT investment in these two industries.
The results suggest that the contribution of IT investment in information electronic industry comes from strategy contribution, reducing cost, and process efficiency. In the meantime, the financial service industry emphasize innovative products and services, reducing cost, process efficiency, and supplier/customer relationship when it comes to the issue about performances of IT investment. As a result, in the situation where the organization resources are limited, the main goal for IT managers is to help organizations become more competitive by controlling the imperative indicators of IT investment.
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Essays on Digital Buisiness Strategy Execution in the Financial Services IndustryWeinrich, Timo 07 May 2018 (has links)
No description available.
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Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
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