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Wyniki wyszukiwania dla: BANKING
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Błażej Kochański dr
OsobyBłażej Kochański jest adiunktem w Katedrze Statystyki i Ekonometrii na Wydziale Zarządzania i Ekonomii Politechniki Gdańskiej, ekspertem ds. ryzyka bankowego. Pracował dla banków w Polsce i Europie jako specjalista ds. ryzyka, kierownik ds. planowania i analiz, członek zarządu ds. ryzyka, członek rady nadzorczej i konsultant ds. zarządzania. Zbudował liczne modele predykcyjne wspomagające zarządzanie ryzykiem, z sukcesem zarządzał...
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FINANCIAL COMPARISON OF WESTERN BALKAN AND BALTIC SEA STATES USING THE CAMEL APPROACH
Publikacja• The aim - This article aims to compare the situation in the banking sectors of two regions, which due to their political and economic history have much in common. These are the Western Balkan States of Serbia, Croatia and Macedonia, and the Baltic Sea States of Lithuania, Estonia, and Latvia. • Methods - It presents three approaches to defining banking stability that can be found in the literature and carries out an initial...
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Number of devices accepting electronic payment instruments per million inhabitants in EU countries 2015
Dane BadawczeThis research data presents the number of devices accepting electronic payment instruments per million inhabitants in the EU countries in 2015. It is an element of the so-called the banking index, which in the subject literature is defined as the number of people actively using services banking. It is noted that this coefficient is also an expression...
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Number of non-cash transactions made with payment cards per capita in EU countries 2015
Dane BadawczeThe following data presents the number of non-cash transactions made with payment cards per capita in EU countries 2015.It is an element of the so-called the banking index, which in the subject literature is defined as the number of people actively using services banking.
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Evaluation of Face Detection Algorithms for the Bank Client Identity Verification
PublikacjaResults of investigation of face detection algorithms efficiency in the banking client visual verification system are presented. The video recordings were made in real conditions met in three bank operating outlets employing a miniature industrial USB camera. The aim of the experiments was to check the practical usability of the face detection method in the biometric bank client verification system. The main assumption was to provide...
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Oleksandr Melnychenko dr hab.
OsobyOleksandr Melnychenko pracuje na stanowisku profesora w grupie pracowników naukowo-dydaktycznych Katedry Finansów na Wydziale Zarządzania i Ekonomii Politechniki Gdańskiej; jest tłumaczem przysięgłym języka ukraińskiego; przedsiębiorcą z wieloletnim doświadczeniem prowadzenia własnej działalności i zarządzania finansami firm; ma doświadczenie pracy w banku komercyjnym na stanowisku zajmującym się współpracą banku z systemami płatniczymi,...
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Balance sheet total of commercial banks with the majority of private capital (data in percent) in the years 1993-2004
Dane BadawczeIn 1995, foreign capital held 18.1% of shares in Polish banks. This share increased significantly at the beginning of the 21st century to around 60%. It should therefore be noted that the Polish banking system within a decade became mostly owned by foreign investors.
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Number of ATMs per million inhabitants in EU countries (2015 year)
Dane BadawczeAs shown in the data, individual indicators vary greatly in depending on the country. It should be noted that, as a rule, the highest level of banking concerns the countries of Western Europe (Luxembourg, France, Germany, Portugal). There, too, the highest values are recorded, for example for the number of ATMs.
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Islamskie finanse i bankowość: czynniki rozwoju oraz typowe ryzyka.
PublikacjaCelem artykułu jest przybliżenie oraz wyjaśnienie podłoża rozwoju i ekspansji islamskich finansów i bankowości. Artykuł można podzielić na dwie główne części. W pierwszej (w 2. rozdziale) dokonano wyjaśnienia źródeł pochodzenia finansów islamskich; a także wskazano czynniki mające wpływ na powstanie pierwszych zorganizowanych struktur oraz dalszą ekspansję finansów i bankowości islamskiej. Następnie w drugiej części artykułu (w...
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Number of commercial banks at the end of the year, excluding banks that are not operating, bankrupt or liquidated, and banks in organization in 1993-2004
Dane BadawczePolish banks were gradually transformed from enterprises with a predominance of Polish private capital into banks with a majority share of private foreign capital. In 1993, there were 48 banks with a majority of Polish private capital, and in 2006 there were 7 of them. In 1993, the shares of 10 banks in Poland were owned by private foreign capital,...
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Number of cooperative banks in Poland in 1993-2011
Dane BadawczeThe process of reform and consolidation of the cooperative banking sector in Poland conducted in the 1990s caused that in 1991-1999 the number of cooperative banks dropped from 1664 to 902. It should be noted that 131 banks collapsed, 632 were taken over by other banks. It should also be noted that during this period, in 1992, one cooperative bank was...
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Validating data acquired with experimental multimodal biometric system installed in bank branches
PublikacjaAn experimental system was engineered and implemented in 100 copies inside a real banking environment comprising: dynamic handwritten signature verification, face recognition, bank client voice recognition and hand vein distribution verification. The main purpose of the presented research was to analyze questionnaire responses reflecting user opinions on: comfort, ergonomics, intuitiveness and other aspects of the biometric enrollment...
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Number of bank branches per million inhabitants in EU countries 2015
Dane BadawczeAccording to the data presented, over the year (2016-2017), the network of bank branches in Poland decreased by over half a thousand (currently the total number of traditional bank branches, excluding partner branches, amounts to nearly 6 thousand). It is worth noting, however, that the number of bank branches per million inhabitants is the highest...
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Employment structure in business services centers broken down into supported process categories.
Dane BadawczeThe structure of business services provided in centers in Poland is highly diversified, however, the vast majority of entities provide services in several categories of business processes. IT activities and financial and accounting (F&A) services together generate slightly more than half of employment in the industry (51%). Customer Operations (14%)...
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Number of active debit cards issued to individual customers (2017)
Dane BadawczeAt the end of the fourth quarter of 2017, financial institutions (including non-banking ones, e.g. SKOK) serviced 25.8 million debit cards (excluding credit card data) of individual clients. This means an increase by 1.3 million cards compared to the same period in 2016. The largest number of cards was issued and serviced by Bank PKO BP - 6.81 million,...
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Mirosław Andrusiewicz prof. dr hab. n. med. i n. o zdr.
OsobyPosiadane dyplomy, stopnie naukowe lub artystyczne ̶ stopień doktora habilitowanego nauk medycznych (dyscyplina biologia medyczna) z dnia 4 grudnia 2017 r. Tytuł osiągnięcia naukowego: „Analiza wybranych genów związanych z przebiegiem zmian patologicznych w komórkach wywodzących się z żeńskich wewnętrznych narządów płciowych”; Uniwersytet Medyczny im. Karola Marcinkowskiego w Poznaniu, Wydział Lekarski II; recenzenci: Prof....
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Una crisi diversa?
PublikacjaIl capitolo tratta della recente crisi finanziaria, analizzandone cause e conseguenze per il sistema bancario e finanziario mondiale
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Number of active HCE cards installed in mobile phones (2017)
Dane BadawczeHCE technology (Host Card Emulation), which enables contactless payments by phone in a similar way as in the case of a payment card. At the time of making the transaction, the phone is close to the terminal, practically the same as the payment card. This solution, like the others described previously, should be included in the elements of electronic...
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Systemowe ryzyko płynności w polskim systemie bankowym – determinanty i trendy
PublikacjaCelem rozprawy jest określenie metod pomiaru systemowego ryzyka płynności oraz pomiar tego ryzyka dla polskiego systemu bankowego za pomocą zaproponowanych metod, w oparciu o dostępne dane. Do celów rozprawy zaliczyć należy również przedstawienie problemu systemowego ryzyka płynności od strony jego wpływu na gospodarkę. Zgodnie z hipotezą główną, systemowe ryzyko płynności w polskim systemie bankowym w latach 1996-2012 wzrosło....
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Handwritten signature verification system employing wireless biometric pen
PublikacjaThe handwritten signature verification system being a part of the developed multimodal biometric banking stand is presented. The hardware component of the solution is described with a focus on the signature acquisition and on verification procedures. The signature is acquired employing an accelerometer and a gyroscope built-in the biometric pen plus pressure sensors for the assessment of the proper pen grip and then the signature...
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Number of own bank branches (2017)
Dane BadawczeThe number of traditional bank branches is decreasing. As can be seen from the data presented in the table below, over the year (2016-2017), the network of bank branches in Poland decreased by over half a thousand (currently the total number of traditional bank branches, excluding partner branches, amounts to nearly 6 thousand). None of the 20 largest...
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The project IDENT: Multimodal biometric system for bank client identity verification
PublikacjaBiometric identity verification methods are implemented inside a real banking environment comprising: dynamic handwritten signature verification, face recognition, bank cli-ent voice recognition and hand vein distribution verification. A secure communication system based on an intra-bank client-server architecture was designed for this purpose. Hitherto achieved progress within the project is reported in this paper with a focus...
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Intelligent Knowledge-Base Model for IT Support Organization Evolution
PublikacjaThe goal of the paper is building the knowledge-based model for predicting the state of the IT support organization. These organizations, critical for development of various business sectors, are facing the problem of their transformation. It is the result of the fundamental change in the role of the IT organizations in the current economy. The complexity of the processes, the difficulty adjusting the operations and limited ability...
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Multimedia industrial and medical applications supported by machine learning
PublikacjaThis article outlines a keynote paper presented at the Intelligent DecisionTechnologies conference providing a part of the KES Multi-theme Conference “Smart Digital Futures” organized in Rome on June 14–16, 2023. It briefly discusses projects related to traffic control using developed intelligent traffic signs and diagnosing the health of wind turbine mechanisms and multimodal biometric authentication for banking branches to provide...
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User Authentication by Eye Movement Features Employing SVM and XGBoost Classifiers
PublikacjaDevices capable of tracking the user’s gaze have become significantly more affordable over the past few years, thus broadening their application, including in-home and office computers and various customer service equipment. Although such devices have comparatively low operating frequencies and limited resolution, they are sufficient to supplement or replace classic input interfaces, such as the keyboard and mouse. The biometric...
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Scaled agile framework. Dealing with software process‐related challenges of a financial group with the action research approach
PublikacjaThis article reports on a domain-specific software development venture at Nordea. We explore organizational constraints, challenges, and corrective actions undertaken when scaling the agile development approach of their Core Banking Platform program. The fit and required customizations of the rather complex and rigid SAFe framework in a policy-heavy financial institution are audited against the organic growth of the program. In...
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Produkty strukturyzowane Alior Banku SA i ich efektywność
PublikacjaProdukty strukturyzowane, realizując potrzeby inwestorów, dają szansę na osiąganie wysokich zysków, przy jednoczesnej możliwości korzystania z ochrony kapitału. Do niedawna produkty strukturyzowane w Polsce były skierowane głównie do inwestorów o zasobniejszych portfelach, w ramach oferty private banking, obecnie są coraz bardziej popularne i dostępne dla wszystkich. Stało się to za sprawą obniżenia minimum inwestycyjnego struktur....
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Analysis of results of large-scale multimodal biometric identity verification experiment
PublikacjaAn analysis of a large set of biometric data obtained during the enrolment and the verification phase in an experimental biometric system installed in bank branches is presented. Subjective opinions of bank clients and of bank tellers were also surveyed concerning the studied biometric methods in order to discover and to explore relations emerging from the obtained multimodal dataset. First, data acquisition and identity verification...
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Superkomputery do wspomagania procesów gospodarczych ze szczególnym uwzględnieniem sektora bankowego
PublikacjaW artykule omówiono wykorzystanie superkomputerów do wspomagania procesów gospodarczych ze szczególnym uwzględnieniem sektora bankowego. Odniesiono się do wybranych projektów wspierających rozwój gospodarczy w oparciu o superkomputery. W szczególności zaproponowano zastosowanie HPC do implementacji wybranych metod sztucznej inteligencji w bankowości, w tym oceny ryzyka wybranych przedsięwzięć. Zaproponowane podejście umożliwia...
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The comparison of Internet Mortgage Market in Selected EU Countries
PublikacjaThe paper presents the description of Internet mortgage market in selected European Union countries. It starts with brief introduction to the concept of creating a fuzzy model representing Polish Internet Mortgage Market. Then, for better understanding of the complexities of this kind of market functioning the comparison is made between mortgage markets in Poland, Estonia, Germany and The United Kingdom (UK): The UK as the European...
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Performance Analysis of Developed Multimodal Biometric Identity Verification System
PublikacjaThe bank client identity verification system developed in the course of the IDENT project is presented. The total number of five biometric modalities including: dynamic handwritten signature proofing, voice recognition, face image verification, face contour extraction and hand blood vessels distribution comparison have been developed and studied. The experimental data were acquired employing multiple biometric sensors installed...
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Playback Attack Detection: The Search for the Ultimate Set of Antispoof Features
PublikacjaAutomatic speaker verification systems are vulnerable to several kinds of spoofing attacks. Some of them can be quite simple – for example, the playback of an eavesdropped recording does not require any specialized equipment nor knowledge, but still may pose a serious threat for a biometric identification module built into an e-banking application. In this paper we follow the recent approach and convert recordings to images, assuming...
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Revenues to the state budget from the sale of shares in state-owned banks in 1994-2000
Dane BadawczeOn June 14, 1996, a special law was passed on the merger and grouping of certain banks in the form of joint-stock companies. Pursuant to these regulations, the PeKaO S.A. banking group was established, which was the only entity of this type established in this way. Additionally, by the end of 1996, four out of nine regional banks were sold, i.e. Wielkopolski...
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Pilot Testing of Developed Multimodal Biometric Identity Verification System
PublikacjaThe bank client identity verification system developed in the course of the IDENT project is presented. The total number of five biometric modalities including: dynamic signature proofing, voice recognition, face image verification, face contour extraction and hand blood vessels distribution comparison have been developed and studied. The experimental data were acquired employing multiple biometric sensors installed at engineered...
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Maria Jastrzębska dr hab.
OsobyMaria Jastrzębska jest pracownikiem Katedry Finansów. Autorka ponad 170 publikacji, w tym 8 monografii - Zarządzanie finansami gmin. Aspekty teoretyczne; Polityka budżetowa jednostek samorządu terytorialnego; Zarządzanie długiem jednostek samorządu terytorialnego; Finanse jednostek samorządu terytorialnego; Zarządzanie ryzykiem w działalności jednostek samorządu terytorialnego ze szczególnym uwzględnieniem ryzyka katastroficznego...
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Usability study of various biometric techniques in bank branches
PublikacjaThe purpose of the presented research was to evaluate the performance of the prepared biometric algorithms and obtain information on the opinions and preferences of their users in bank branches. The study aimed to determine users' attitudes towards particular modalities and preferences on how to use biometrics after the bank customers had practical experience with the operation of the prototype solutions. The research results...
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Zachowania seniorów z Polski Północnej na rynku usług finansowych w świetle wyników badań
PublikacjaPrzedmiotem zainteresowania badawczego w niniejszym tekście są usługi finansowe oraz zachowania starszych konsumentów na rynku usług bankowych, ubezpieczeniowych itp. Podstawowym celem rozważań jest zidentyfikowanie kluczowych zmiennych społeczno-demograficznych wpływających na zakup usług finansowych przez osoby w wieku 50+. W pracy zastosowano przede wszystkim analizę literatury oraz analizę wyników uzyskanych za pomocą kwestionariusza ankietowego...
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Marcin Potrykus dr inż.
OsobyAbsolwent Wydziału Zarządzania i Ekonomii Politechniki Gdańskiej. Od 2008 zatrudniony jako Asystent w Katedrze Finansów na Wydziale Zarządzania i Ekonomii Politechniki Gdańskiej. W 2015 roku obronił (w dyscyplinie ekonomia) rozprawę doktorską zatytułowaną „Inwestycje alternatywne – opłacalność a ryzyko”. Od 2016 zatrudniony jako adiunkt w Katedrze Analizy Ekonomicznej i Finansów na Politechnice Gdańskiej. Jego zainteresowania naukowe...
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Economic significance of initial public offerings in China and India
PublikacjaRapid economic growth in China and India has attracted attention of many researchers, focusing on various social and economic factors underlying the success of these countries. One of the key components of country’s economy is financial system which consists of segments such as banking sector and equity market. The topic of initial public offerings (IPOs), one of the corporate financing sources, involving raising funds through...
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Financial Markets and Bankruptcy Systems: Is there a Relationship?
PublikacjaPurpose: Filling the cognitive gap in the theory of ex-post transaction costs, i.e., at the stage of enforcing market transactions by examining the relationship between friendliness/severity of the bankruptcy and restructuring law towards debtors, the level of development of financial markets, the effectiveness of the judicial system and the rate of debt recovery. Design/Methodology/Approach: In the research, the following methods...
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Inflation Forecast or Forecast(s) Targeting?
PublikacjaThe paper refers to L.E.O. Svensson’s concept of inflation forecast targeting (IFT) and its implementation by central banks of Sweden, Norway and the Czech Republic. The study focuses on (1) inflation forecasts published by selected central banks, i.e.headline inflation and core or monetary policy-relevant (MPR) inflation, which are made on the assumption of endogenous instrument rate, (2) one-year consumer...
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Pomiar ryzyka bankowego - propozycja typologii
PublikacjaW artykule zaproponowano typologię pomiaru ryzyk bankowych. Wyodrębnione kryteria podziału podejść do pomiaru ryzyka to: (1) pomiar bezpośredni/pośredni, (2) pomiar ex post/ex ante, (3) kryterium oparte o składnik ryzyka – częstotliwość, dotkliwość, ekspozycja, całościowa strata, (4) kryterium oparte o parametr rozkładu: pomiar wartości oczekiwanej/przeciętnej, pomiar rozproszenia, pomiar wartości skrajnych. Wśród motywów pomiaru...
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Merton-type default risk and financial performance: the dynamic panel moderation of firm size
PublikacjaPurpose – The main purpose of this study is to evaluate the probability of default and examine the relationship between default risk and financial performance, with dynamic panel moderation of firm size. Design/methodology/approach – This study utilizes a total of 1,500 firm-year observations from 2013 to 2018 using dynamic panel data approach of generalized method of moments to test the relationship between default risk and financial...
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New technologies and diffusion of innovative financial products: Evidence on exchange-traded funds in selected emerging and developed economies
PublikacjaExchange-traded funds (ETFs) are one of the most rapidly-expanding categories of innovative financial products that have been introduced on many financial markets, in both emerging and developed economies. Our research contributes to the present state of knowledge by examining factors, including information and communication technologies (ICTs), influencing the diffusion of ETFs. In our research, we consider also the impact of...
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Jan Ostoj dr hab.
Osobyprof. dr hab. Jan Ostoj – rektor Wyższej Szkoły Finansów i Prawa w Bielsku-Białej w latach 1999-2020, obecnie kierownik Katedry Bankowości i Finansów tej samej uczelni, wykładowca i pracownik naukowy w zakresie ekonomii i finansów z ponad 40-letnim doświadczeniem. Współtwórca dwóch wydziałów prowadzonej szkoły oraz dwóch ośrodków nauczania pozakampusowego. Wcześniej zatrudniony na Wydziale Nauk Społecznych Uniwersytetu Śląskiego...
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Face detection algorithms evaluation for the bank client verification
PublikacjaResults of investigation of face detection algorithms in the video sequences are presented in the paper. The recordings were made with a miniature industrial USB camera in real conditions met in three bank operating rooms. The aim of the experiments was to check the practical usability of the face detection method in the biometric bank client verification system. The main assumption was to provide as much as possible user interaction...
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Małgorzata Solarz dr hab.
Osoby