The journal focuses on the results of scientific researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international financial organizations, central banks, and bank institutions.    Key topics:  -Monetary Policy in Different Countries and Regions;  -Monetary and Payment Systems;  -International Financial Organizations and Institutions;  -Monetary Policy of Central Banks;  -Organizational Structure, Functions and Activities of Central Banks;  -State Policy and Regulation of Banking;  -Bank Competitiveness;  -Banks at the Financial Markets;  -Bank Associations and Conglomerates;  -International Payment Systems;  -Investment Banking;  -Financial Risks and Risk Management in Banks;  -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks;  -Corporate Governance and Goodwill;  -Personnel Management in Banks;  -Econometric, Statistical Methods; Econometric Modeling of Bank Activities;  -Bank Ratings.

The journal "Banks and Bank Systems" focuses on the scientific research results related to monetary policy issues in various countries and regions around the world. It analyzes the activities of international financial organizations, central banks, and banking institutions. Key topics include: Monetary Policy in Different Countries and Regions; Monetary and Payment Systems; International Financial Organizations and Institutions; Monetary Policy of Central Banks; Organizational Structure, Functions, and Activities of Central Banks; State Policy and Regulation of Banking; Bank Competitiveness; Banks in Financial Markets; Bank Associations and Conglomerates; International Payment Systems; Investment Banking; Financial Risks and Risk Management in Banks; Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; Corporate Governance and Goodwill; Personnel Management in Banks; Econometric and Statistical Methods; Econometric Modeling of Bank Activities; Bank Ratings.

《Banks and Bank Systems》期刊专注于全球各国和地区货币政策问题的科学研究成果。期刊分析国际金融组织、中央银行和银行机构的活动。主要主题包括：不同国家和地区的货币政策；货币和支付系统；国际金融组织和机构；中央银行的货币政策；中央银行的组织结构、职能和活动；国家政策与银行监管；银行竞争力；银行在金融市场中的角色；银行协会和金融集团；国际支付系统；投资银行；银行的金融风险与风险管理；资本与所有权结构、破产与清算、银行的并购；公司治理与商誉；银行的人力资源管理；计量经济学、统计方法；银行活动的计量经济学建模；银行评级。

Banks and Bank Systems

This study explores the impact of digital banking channels on the operational excellence of Jordanian banks. It investigates the impact of social media, chatbots, digital wallets, and mobile applications on operational excellence in Jordanian banks, focusing on the moderating role of organizational culture. The study used a quantitative research method and a stratified random sampling technique to ensure a diverse sample of the five largest banks in Jordan, including managers and IT professionals responsible for managing digital banking operations. A total of 276 completed questionnaires were analyzed using structural equation modeling. The findings show that digital banking channels significantly contribute to operational excellence. Social media banking (β = 0.155, p &amp;amp;lt; 0.05) and chatbots (β = 0.212, p &amp;amp;lt; 0.01) positively impact operational excellence, while digital wallets (β = 0.301, p &amp;amp;lt; 0.001) and mobile banking applications (β = 0.22, p &amp;amp;lt; 0.01) also exhibit significant positive effects. The structural model explained 63% of the variance in operational excellence. Additionally, organizational culture was found to positively moderate the impact of social media banking (β = 0.20, p &amp;amp;lt; 0.01), chatbots (β = 0.10, p &amp;amp;lt; 0.05), and digital wallets (β = 0.16, p &amp;amp;lt; 0.01) on operational excellence. However, the interaction between mobile applications and organizational culture was not significant (β = 0.078, p = 0.065).

Abdallah Q. Bataineh

Dhia Qasim

Mohammad Alhur

The impact of digital banking channels and organizational culture on operational excellence in Jordanian banking

约旦银行业中数字银行渠道与组织文化对运营卓越的影响

This study aims to investigate the role of Intellectual Capital (IC), Sustainable Competitive Advantage (SCA), Duration Since Firm Establishment (DSE), and Bank Size (S) in fostering Sustainable Growth (SG) in Saudi Arabia’s banking sector. Data were collected from 2012 to 2022 from 10 commercial banks operating in the Saudi Arabian economy and listed on the Saudi Stock Exchange (Tadawul). The research employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze these relationships. Findings indicate that IC significantly enhances SCA (β = 0.639, p &amp;amp;lt; 0.001), which robustly promotes SG (β = 0.473, p &amp;amp;lt; 0.001). Additionally, a significant direct effect of IC on SG was observed (β = 0.674, p &amp;amp;lt; 0.001). A significant relationship is also observed between DSE and SG (β = 0.956, p &amp;amp;lt; 0.001), highlighting the advantage of longstanding establishments in leveraging accumulated resources for growth. However, the anticipated mediating role of IC in the relationship between DSE and SG was not supported statistically (p = 0.075), suggesting the potential for other variables to influence this dynamic relation. The study underscores the pivotal role of intellectual resources in driving competitive advantages and growth sustainability in the banking industry, particularly within the rapidly evolving economic landscape of Saudi Arabia. These findings offer valuable insights for policymakers and banking institutions looking to leverage intellectual assets and competitive positioning for long-term success.

Selma Sidahmed Abdelrahim

Intellectual capital, bank longevity, and size: Pathways to sustainable growth in Saudi banking through competitive advantage

智力资本、银行寿命与规模：通过竞争优势实现沙特银行业的可持续增长路径

Adopting metaverse technology in the banking sector is generating considerable interest. Investigating customers’ behavior is considered a primary element in adopting metaverse technologies in banking settings. This study combines the Trust Theoretic Model, Task-Technology Fit Model, and theory of planned behavior to explore consumers’ intentions to adopt metaverse Islamic mobile banking services in Jordan. Based on the Structural Equation Modeling (SEM) approach, the results using an electronic survey of 391 metaverse consumers among metaverse Islamic mobile banking services show that consumer trust based on its priors (perceived risk, perceived reputation, service quality, and perceived regulatory support) has a significant influence on consumer behavior intention at a significant P-value level (&amp;amp;lt; 0.001). Furthermore, the results affirm that Task-Technology Fit plays a significant role in consumer behavior intention at a significant P-value level (&amp;amp;lt; 0.001). Moreover, consumer behavior intention has a significant influence on consumers’ decision to adopt metaverse Islamic mobile banking services in Jordan at a significant P-value level (&amp;amp;lt; 0.001). The findings of this study present critical insights for Islamic bank management in Jordan, assisting in developing their metaverse Islamic mobile banking, maintaining a strong relationship with consumers, and fostering consumer experiences. This study highlights the significance of adopting metaverse technologies in Islamic mobile banking services.

Hasan Alhanatleh

Amineh Khaddam

Amro Alzghoul

Measuring factors affecting consumer attitudes toward metaverse adoption: Islamic banking services setting

衡量影响消费者对元宇宙采用态度的因素：伊斯兰银行服务环境

The influence of Environmental, Social, and Governance (ESG) risks on bank stability has become a critical area of study in the banking sector. This study examines the influence of ESG risks on bank stability using unbalanced panel data from 134 commercial banks in Indonesia from 2003 to 2022. Employing a fixed effects model, the findings reveal a significant negative effect of ESG risks on bank stability, where higher ESG risks significantly reduce bank stability. Specifically, government-owned banks face a greater stability decline than private banks due to their often higher exposure to regulatory and reputational pressures. Smaller banks are more adversely affected than larger ones because they lack the resources and diversification to effectively mitigate ESG risks. Additionally, non-listed banks experience a larger decrease in stability than listed banks, as the latter tend to have stricter governance structures and more robust risk management practices. These findings underscore the need for tailored risk management strategies to address ESG risks, particularly for government-owned, smaller, and non-listed banks.

Felisitas Defung

Rizky Yudaruddin

Nita Priska Ambarita

Norliza Che-Yahya

Nur Zahidah Bahrudin

The impact of ESG risks on bank stability in Indonesia

印度尼西亚ESG风险对银行稳定性的影响

The management of dormant accounts and unclaimed balances is a pressing challenge in the banking sector of the United Arab Emirates (UAE), particularly given the complex regulatory landscape. This study analyzes 150 dormant accounts across five major UAE banks (Emirates NBD, First Abu Dhabi Bank, Dubai Islamic Bank, Sharjah Islamic Bank, and Abu Dhabi Commercial Bank) and identifies gaps in the legal framework, including the absence of clear definitions and handling of non-monetary assets.The study investigates the legal framework governing dormant accounts, specifically focusing on the Dormant Accounts System No. 1 of 2020. The results highlight critical issues, including the lack of clear timelines for transferring unclaimed balances and inconsistencies in communication protocols for notifying account holders. Furthermore, the study emphasizes the need for standardized practices across financial institutions in the UAE.To address these challenges, the study proposes legislative amendments to improve asset management and consumer protection. Key recommendations include establishing standardized definitions, implementing automated tracking systems for dormant accounts, and integrating dormant balances into social welfare programs to enhance public trust. These reforms could significantly improve operational efficiency and legal clarity in the UAE banking sector, contributing to a more transparent and effective management of dormant accounts and unclaimed balances. Acknowledgments The authors are thankful to the Deanship of Graduate Studies and Scientific Research at the University of Bisha for supporting this work through the Fast-Track Research Support Program.

Abdelrehim Awad

Nada Zuhair Al‐fil

Khalid Mohamed Dganni

Ahmed Moustafa Aldabousi

Muayad Ahmad Obeidat

Optimizing dormant account management in UAE banking: Legal gaps and proposed reforms

优化阿联酋银行业休眠账户管理：法律漏洞与改革建议

The purpose of this study was to measure the performance of mobile banking by offering an integration from the diffusion of innovation and service convenience models among college students in Indonesia. This study uses a cross-sectional design with a survey study as a data acquisition strategy and the quantitative research type. The questionnaire was completed by 202 respondents from the University of North Sumatra, Telkom Mercubuana, Multimedia Nusantara, Bengkulu, Brawijaya, Katolik Widya Mandala Surabaya, Negeri Jakarta, Tarumanagara, Trisakti, and Pembangunan Nasional Veteran, due to their active use of mobile banking. Data analysis used the partial least squares structural equation modeling approach, where the service convenience model was analyzed in the second order and the diffusion of innovation model was analyzed in the first order. The results prove that decision convenience, access convenience, transaction convenience, benefit convenience, and post-benefit convenience are the determining dimensions of service convenience and have a significant positive effect on mobile banking performance. In addition, compatibility also has a significant positive effect on mobile banking performance. However, relative advantage and complexity do not affect mobile banking performance.

ISSN	1816-7403, 1991-7074
h-index	22

Publication Information	Publisher: Business Perspectives，Publishing cycle: ，Journal Type: journal，Open Access Journals: Yes
Basic data	Year of publication: 2006，Proportion of original research papers: 0.00%，Self Citation Rate:N.A.， Gold OA Rate: 0.00%
Journal Fees	$Details
Average review cycle	网友分享经验：11 Weeks

Banks and Bank Systems

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The impact of digital banking channels and organizational culture on operational excellence in Jordanian banking

Intellectual capital, bank longevity, and size: Pathways to sustainable growth in Saudi banking through competitive advantage

Measuring factors affecting consumer attitudes toward metaverse adoption: Islamic banking services setting

The impact of ESG risks on bank stability in Indonesia

Optimizing dormant account management in UAE banking: Legal gaps and proposed reforms

Measuring factors affecting consumer attitudes toward metaverse adoption: Islamic banking services setting

The impact of ESG risks on bank stability in Indonesia

Intellectual capital, bank longevity, and size: Pathways to sustainable growth in Saudi banking through competitive advantage

The impact of digital banking channels and organizational culture on operational excellence in Jordanian banking

Examining mobile banking performance among college students in Indonesia