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Ebook Online Payment Process

Submitted by wulan on Sat, 08/15/2009 - 03:30

Why people came up for online business? There are many reasons why we go for this type of business. For the seller or merchants, they can operate their business profitably 24/7 and reach the market across the world geographical boundary is not a barrier anymore. It is not necessary for them to establish their shops physically in many places around the world which means anyone even small businesses can have their business online.

While at customers’ end, it is more convenient where one can place his/her purchase orders in just a click of the mouse anytime of the day regardless of where one is standing. Another reason is transactions are even faster that transactions are done in just a few minutes. Payment transactions for these online businesses can be done either online or offline. However, nowadays the method of payment has become important and the possibility for online payment acceptance provides convenience to the customers. In this paper, I will be discussing about the online payment process.

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Ebook Financial Development and Financial Liberalization in Asia: Thresholds, Institutions and the Sequence of Liberalization

Submitted by puput on Mon, 01/11/2010 - 04:34

The Asian crisis of 1997-98 confronted policy makers with the conundrum of financial globalization. While more open financial markets can contribute to economic development, it is the openness of financial markets that can make developing countries more vulnerable to financial disruptions (Kaminsky and Schmukler, 2001a,b, 2002 and Schmukler 2003).

Despite the experience of the 1990’s, East Asian policy makers do not appear to have abandoned the path of financial liberalization. Rather, as is best exemplified by the Chiang Mai Initiative, they have re-emphasized economic development through more integrated financial markets in the region. The progress in financial development has occurred against a backdrop of regional trade arrangements. As Pomfret (2005) documents, the Asian currency union also started being discussed in the region, signifying the importance of how to sequence liberalization policies. In sum, the debate is not whether to liberalize, but that of how to liberalize. This study attempts to inform that debate.

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Ebook The Performances of Commercial Banks in Post-Consolidation Period in Nigeria: An Empirical Review

Submitted by wulan on Thu, 01/07/2010 - 05:38

The consolidation of banks has been the major policy instrument being adopted in correcting deficiencies in the financial sector. The economic rationale for domestic consolidation is indisputable. An early view of consolidation in banking was that it makes banking more cost efficient because larger banks can eliminate excess capacity in areas like data processing, personnel, marketing, or overlapping branch networks.

Cost efficiency also could increase if more efficient banks acquired less efficient ones. Though studies on efficiency in banking raised doubts about the extent of overcapacity, they did point to considerable potential for improvement in cost efficiency through mergers. Consolidation is viewed as the reduction in the number of banks and other deposit taking institutions with a simultaneous increase in size and concentration of the consolidation entities in the sector (BIS 2001).

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