Este trabalho trata sobre marketing bancário, mais precisamente sobre o processo de distribuição de produtos e serviços bancários. O processo de distribuição dos bancos sempre se caracterizou por uma distribuição direta. Inicialmente, através exclusivamente de uma rede de agências próprias. Posteriormente, ampliando o atendimento para caixas eletrônicos, internet banking, telefone, todas formas de atendimento direto. Recentemente, alguns varejistas passaram a oferecer produtos financeiros diretamente para seus clientes, num processo chamado de desintermediação financeira. O sistema bancário captou esta oportunidade e, ao invés de entrar em competição com os varejistas, adotou a desintermediação financeira como um canal indireto de distribuição, tornando os varejistas correspondentes bancários. O objetivo deste trabalho é compreender a deseintermediação financeira sob a ótica de marketing. No processo de desintermediação financeira analisado, os correspondentes bancários surgem como um canal indireto de distribuição. A introdução deste novo canal altera alguns conceitos do marketing bancário, produz mudanças nos relacionamentos dos clientes com as instituições financeiras, cria novas oportunidades e abre novos mercados ao setor bancário. Dada à concentração do mercado em cinco grandes bancos (Banco Itaú, Banco Bradesco, Banco do Brasil, Banco Santander e Caixa Econômica Federal), responsáveis por mais de 80% do mercado nacional, optou-se pela realização de um estudo de caso múltiplo, entrevistando executivos responsáveis pelos correspondentes bancários, fazendo observação no correspondente por meio do cliente misterioso e por meio de dados secundários. Como resultado, é possível identificar novos mercados que os bancos passaram a atender graças aos correspondentes bancários desses bancos, novas formas de relacionamento entre clientes e bancos, uma alteração no fluxo de distribuição e na estratégia de distribuição dos cinco bancos pesquisados. / This work deals with bank marketing, specifically on the process of distribution of banking products and services. The banks\' distribution process has always been characterized by a direct distribution. Initially, it was done exclusively through a network of own agencies. Later, the banks expanded the service to ATMs, internet banking, telephone, all forms of direct care. Recently, some retailers began to offer financial products directly to their customers, in a process called financial disintermediation. The banking system has captured this opportunity and instead of entering into competition with retailers, adopted the financial disintermediation as an indirect channel distribution, turning retailers in correspondent banking. The objective of this study is to understand the financial disintermediation from the perspective of marketing. In the process of financial disintermediation analyzed, correspondent banking arise as an indirect channel distribution. The introduction of this new channel changes some concepts of the banking marketing, produces changes in customer relationships with financial institutions, creates new opportunities and opens new markets to the banking sector. Because the concentration of the market in five major banks (Banco Itaú, Banco Bradesco, the Banco do Brasil, Banco Santander and Caixa Economica Federal), which account for over 80% of the domestic market, it was decided to carry out a multiple case study, interviewing executives responsible for correspondent banking and observe the banks correspondents by the mysterious client. As a result, you can identify new markets that banks began to meet thanks to bank correspondents, new forms of relationships between clients and banks, a change in the distribution of flow and distribution strategy of the five researched banks.

With growing number of adult people not owning a bank account,efforts are being made to bring banking services to the unbanked populations.Relationships marketing plays a crucial role in  establishing and sustaining beneficial relationship in the banking industry. This study sought to explore the link between agent banking and relationship marketing through an exploratory qualitative approach.The findings show that agent banking as a fairly new phenomenon relies on the integration of different functions within the bank with a strong emphasis on the role of technology,processes and personnel to delivder services that can be acceptable to the customers so as to create long lasting beneficial relationships. Through semi-structured interviews with employees of 6 banks that offer agent banking in Bangladesh,this study contributes a key reflection document on implemenation of agent banking for other banks that intend to start offering agent banking services in Bangladesh.

Most people agree that the internationalization of RMB follows a three-step strategy, i.e. turn RMB into a settlement currency, investment currency, and reserve currency. The promulgation of the ¡§Administrative Rules on Pilot Program of RMB Settlement of Cross-border Trade Transactions¡¨ on July 2, 2009 demonstrated that China has officially begun to facilitate the use of currency in trade settlement. The start of RMB cross-border trade settlement not only stands for new function of RMB but also brings new opportunities. Therefore, a fundamental motivation for this research is to explore how will it influence correspondent banking business and what business opportunities it offer to correspondent banking business? This thesis takes the case of W Bank, a world leading correspondent banking service provider for example. By discussing value chain of the correspondent banking business and studying the business model of W Bank, we depict how W Bank can exploit the new business opportunity and conclude that W Bank, a U.S.-based bank, remains in a good position to offer RMB-denominated services.

This paper provides an analysis on Financial Inclusion and a set of indicators to understand how adults in Guatemala manage their finances. The data shows that only 22 percent of the adult population has an account at a legitimate financial institution. In addition, 25 percent of adults report having saving habits but only 10 percent do it at a legitimate financial institution. Physical distance is a key factor in achieving Financial Inclusion in the country as the most common barrier for the use of financial products is the lack of financial service branches in many regions, especially in the northern part of the country. The purpose of this research was to find a method that could be implemented in Guatemala in order to introduce underserved people into the legitimate financial system. Special analysis was made on the Correspondent Banking model and it was found to be one of the most successful methods employed to improve access and usage of financial services in many countries. This branchless banking strategy can play a significant role in ensuring universal access to financial services, and be a cost-effective strategy for financial institutions to increase their customer base. Guatemala can use this current opportunity to guide its economic strategy towards the reduction of poverty, economic improvement and mitigation of some of the worst effects of being financially excluded.

This thesis deals with the ethical aspects of reporting wars and conflicts. First of all, it defines the ethical principles in journalism and the ethical dilemmas that journalists face in the war as well as the rules enshrined in the ethical codes of the media. Afterwards it focuses on the specifics of international conflict reporting and defines two ways to deal with it. These are, as the title suggests, war journalism, which emphasizes violence, the aspects of warship itself and the elites, and peaceful journalism, which focuses on civilians, deescalation of violence, and peace-related solutions. In the practical part, this work aims to find and define individual signs of peace and war journalism in reporting of global news media. Finally, the characteristics of these two approaches undergo a comparative analysis to find out what ethical rules apply to these approaches and what extent they differ. Analyzed media are Reuters and AFP news agencies and the British print media and their internet versions The Guardian and The Telegraph. Selected conflicts include the 2008 South Ossetian war and the Pillar of Defense, a conflict in the Gaza Strip dating back to 2012.

Este trabalho trata sobre marketing bancário, mais precisamente sobre o processo de distribuição de produtos e serviços bancários. O processo de distribuição dos bancos sempre se caracterizou por uma distribuição direta. Inicialmente, através exclusivamente de uma rede de agências próprias. Posteriormente, ampliando o atendimento para caixas eletrônicos, internet banking, telefone, todas formas de atendimento direto. Recentemente, alguns varejistas passaram a oferecer produtos financeiros diretamente para seus clientes, num processo chamado de desintermediação financeira. O sistema bancário captou esta oportunidade e, ao invés de entrar em competição com os varejistas, adotou a desintermediação financeira como um canal indireto de distribuição, tornando os varejistas correspondentes bancários. O objetivo deste trabalho é compreender a deseintermediação financeira sob a ótica de marketing. No processo de desintermediação financeira analisado, os correspondentes bancários surgem como um canal indireto de distribuição. A introdução deste novo canal altera alguns conceitos do marketing bancário, produz mudanças nos relacionamentos dos clientes com as instituições financeiras, cria novas oportunidades e abre novos mercados ao setor bancário. Dada à concentração do mercado em cinco grandes bancos (Banco Itaú, Banco Bradesco, Banco do Brasil, Banco Santander e Caixa Econômica Federal), responsáveis por mais de 80% do mercado nacional, optou-se pela realização de um estudo de caso múltiplo, entrevistando executivos responsáveis pelos correspondentes bancários, fazendo observação no correspondente por meio do cliente misterioso e por meio de dados secundários. Como resultado, é possível identificar novos mercados que os bancos passaram a atender graças aos correspondentes bancários desses bancos, novas formas de relacionamento entre clientes e bancos, uma alteração no fluxo de distribuição e na estratégia de distribuição dos cinco bancos pesquisados. / This work deals with bank marketing, specifically on the process of distribution of banking products and services. The banks\' distribution process has always been characterized by a direct distribution. Initially, it was done exclusively through a network of own agencies. Later, the banks expanded the service to ATMs, internet banking, telephone, all forms of direct care. Recently, some retailers began to offer financial products directly to their customers, in a process called financial disintermediation. The banking system has captured this opportunity and instead of entering into competition with retailers, adopted the financial disintermediation as an indirect channel distribution, turning retailers in correspondent banking. The objective of this study is to understand the financial disintermediation from the perspective of marketing. In the process of financial disintermediation analyzed, correspondent banking arise as an indirect channel distribution. The introduction of this new channel changes some concepts of the banking marketing, produces changes in customer relationships with financial institutions, creates new opportunities and opens new markets to the banking sector. Because the concentration of the market in five major banks (Banco Itaú, Banco Bradesco, the Banco do Brasil, Banco Santander and Caixa Economica Federal), which account for over 80% of the domestic market, it was decided to carry out a multiple case study, interviewing executives responsible for correspondent banking and observe the banks correspondents by the mysterious client. As a result, you can identify new markets that banks began to meet thanks to bank correspondents, new forms of relationships between clients and banks, a change in the distribution of flow and distribution strategy of the five researched banks.

Through historical and content analyses of war coverage, this study qualitatively addresses emotional quality, use of sources, and implied use of technology to better understand the tension between Vietnam and Afghanistan war correspondents and their military counterparts. Early American democracy aspired to give total freedom to its people. But the American military, in its quest to uphold the ideas of democracy, has often challenged the freedom of press clause set forth by the United States Constitution. Since the Vietnam era, the relationship between the military and the media has been plagued by questions of censorship, assertions of falsehood, and threats to national security. But it is the technological advancements in both reporting and combat techniques that have caused a disappearance of the nostalgic war coverage that American correspondents once prospered from. The possibility of returning to journalists' vision of unrestricted press access is all but lost due to such advancements.

The diploma thesis A Media Picture of USA by ČTK and its Comparison with ČRo Reporter's News in the First Half of the Year 2013 focuses on the comparison of the news and materials released by Czech Press Agency, Czech Radio and its foreign correspondent, about United States. Using qualitative and quantitative methods the paper examines the extent of the space donated to the topics related to USA, which themes were followed and how every of the subjects were informing on them. The quantitative methods are used when analyzing the news releases by Czech Press Agency and coverage of Czech Radio including contributions of foreign correspondent, during the period of the first six months of 2013. The qualitative part analyzes the way in which subjects reported on two selected events in the United States - attacks on the Marathon in Boston and West Fertilizer Company explosion. Other parts of this work are chapters focusing on the theory of foreign news and the position of USA.

本研究探討台灣媒體記者駐點中國在採訪時所遇到的工作控制、以及所採取的因應策略。透過對多位實務工作者的深度訪談，本研究發現，對駐點中國記者最直接的控制來源，分別是「中國官方」與「台灣媒體組織」。中國官方雖然仍會使用較為粗暴、強硬的新聞控制手段，不過也越來越懂得用軟性的互動手法，干涉的深度與廣度與兩岸政治關係也有相當關係。駐點中國的台灣媒體記者採取的因應方式，則包括新聞現場快速反應，平時不斷增加專業知識、以提升對「爆料與網路線索或刻意餵新聞」的判斷能力。再者，台灣媒體接受中國官方的「置入」，再透過組織要求對記者產生影響。駐點中國的台灣媒體記者除了工作量因此增加之外，還成為台灣媒體在中國的業務代表；為了應付稿量需求、搶快、搶獨家，而利用網路消息作為新聞線索，同時並需保護自己，因此在寫作上需以「事實陳述」、「找名人背書」等方式轉移責任歸屬。 / This study focused on Taiwanese journalists’ practical strategies against governmental and organizational controls while working in china. Through empirical in-depth interviews with journalists, we came to identified how government of China uses both aggressive and subtle ways to influencing news reporting. Journalists in China need rapid responses action on sight and train themselves with extensive knowledge. In addition, one of the subtle ways to deal with Taiwanese media is to use product placement, but the more Taiwanese media receive product placement from china, the more chances are China government can further influence on the controversial news content in Taiwanese media. Receiving product placement only making these cross-strait journalists became sales representative of Taiwanese media in china. In order to meet the needs of organization, Journalists need to use internet as sources. But they also need to be extra careful by using “fact-based statement” or “quote from celebrity” in their daily writing skills.

No description available.