Papers by Claire Matthews
ABSTRACT Banking in New Zealand, and around the world, is faced with two colliding trends: the re... more ABSTRACT Banking in New Zealand, and around the world, is faced with two colliding trends: the reliance on technology to meet customers’ needs and the growing proportion of the population that is elderly. This study investigated the attitudes of the elderly towards the common technology based distribution channels currently used by banks. The primary finding is that the elderly are more reluctant to use the e-banking channels, having a preference for dealing with human staff. However, the elderly who do use the e-banking channels are equally satisfied with them. This indicates the key issue for banks is to overcome the initial reluctance for these customers to use the e-banking channels.
Despite enormous potential to use web technology at the front-end of retail banking and the adven... more Despite enormous potential to use web technology at the front-end of retail banking and the advent of mature respective development methodologies, the degree of web technology use in this banking sector is still low. In particular, this applies to lending which is the core of banking. In this paper we argue that there is a gap between the available conceptual means for employing web technology and the used ones. Fully exploiting the available means allows an increase in the degree of automation of loan processes and thus may help to introduce new business models.
International Review of Economics & Finance, 2018
Outreach is a central purpose of microfinance institutions in providing access to quality financi... more Outreach is a central purpose of microfinance institutions in providing access to quality financial services for large numbers of poor people. This paper critically reviews outreach indicators for microfinance institutions from prior research using a South Asian panel data set covering the period 1998 to 2013. We introduce two new ways of measuring the social objectives of MFIs, reflecting market shares, for breadth and depth of outreach. The results show that these new outreach indicators provide a better explanation of social performance of MFIs than those commonly used in prior research.
Web information systems often have large and complex information spaces. These spaces serve as a ... more Web information systems often have large and complex information spaces. These spaces serve as a conceptual framework for all user-system interactions. Their complexity is likely to cause users having trouble carrying out with these systems the business cases in their portfolio. Aiding users therefore requires a view of reduced complexity on the information space being defined and made accessible to the users. Such a view is called a story. Working out the stories that best help users beneficially use Web information systems is the task of information space personalization. This paper analyses a Web information system. A Kleene algebra is used as a mathematical model of a story of this system. We illustrate that formal manipulation of Kleene algebras can be used for personalizing information spaces. This paper thus supports the proposal of using Kleene algebras as mathematical model of Web information system usage.
Lecture Notes in Computer Science, 2003
Abstract. Electronic Business applications are often implemented using web-based Information Syst... more Abstract. Electronic Business applications are often implemented using web-based Information Systems, in which human-to-human interaction is replaced by human-computer interaction. To design systems that meet both the users' needs and the business intentions of the service ...
Lecture Notes in Computer Science, 2003
Abstract. Much has been written about what constitutes good prin-ciples of web design. Significan... more Abstract. Much has been written about what constitutes good prin-ciples of web design. Significantly less attention has been paid to the related communication issues. Critical success factors taken from a pilot study of nine organisations are listed in this paper. We show that they imply ...
International Conference on Information Integration and Web-based Applications & Services (IIWAS), 2003
Despite enormous potential to use web technology at the front-end of retail banking and the adven... more Despite enormous potential to use web technology at the front-end of retail banking and the advent of mature respective development methodologies, the degree of web technology use in this banking sector is still low. In particular, this applies to lending which is the core of banking. In this paper we argue that there is a gap between the available conceptual means for employing web technology and the used ones. Fully exploiting the available means allows an increase in the degree of automation of loan processes and thus may help to introduce new business models.
Journal of Asia-Pacific Business, 2005
It is argued that markets are competitive when consumers have a significant range of options, inc... more It is argued that markets are competitive when consumers have a significant range of options, including with respect to price. Therefore the New Zealand credit card market might be considered competitive, although there is a high degree of similarity in banks' offerings.Previous United States studies have suggested that consumers fail to distinguish between different banks' credit card offerings, which contributes
Information Systems and e-Business Management, 2005
Abstract. In order to be successful, web-based electronic business systems have to be developed i... more Abstract. In order to be successful, web-based electronic business systems have to be developed in such a way that both the customers' needs and the business intentions of the provider are met. As human-to-human interaction is partly replaced by human-computer interaction in ...
Information Systems and e-Business Management, 2005
Abstract In a globalised economy the accessibility of services becomes increasingly important for... more Abstract In a globalised economy the accessibility of services becomes increasingly important for businesses. This has led to a demand that infor-mation systems should be ubiquitous in the sense that they are available to all users under all circumstances, everywhere and at all ...
In this article we use the Abstraction Layer Model (ALM) and the related storyboarding language S... more In this article we use the Abstraction Layer Model (ALM) and the related storyboarding language SiteLang to analyse eight Web Information Systems (five banks, two newspapers, one university). We show that ALM and SiteLang are adequate for determining the storyboard ...
Accounting, Business & Financial History, 2004
This paper examines a major bank computing redevelopment attempted in New Zealand in the 1980s – ... more This paper examines a major bank computing redevelopment attempted in New Zealand in the 1980s – the IBIS project. After the expenditure of some hundreds of millions of dollars this project was not proceeded with and this paper looks at the factors that led to its eventual failure. We find that dreams of banking technology can be as costly as
Tractography atlas-based analysis (TABS) is a new diffusion tensor image (DTI) statistical analys... more Tractography atlas-based analysis (TABS) is a new diffusion tensor image (DTI) statistical analysis method for detecting and understanding voxel-wise white matter properties along a fiber tract. An important requisite for accurate and sensitive TABS is the availability of a deformation field that is able to register DTI in native space to standard space. Here, three different feature images including the fractional anisotropy (FA) image, T1 weighted image, and the maximum eigenvalue of the Hessian of the FA (hFA) image were used to calculate the deformation fields between individual space and population space. Our results showed that when the FA image was a feature image, the tensor template had the highest consistency with each subject for scalar and vector information. Additionally, to demonstrate the sensitivity and specificity of the TABS method with different feature images, we detected a gender difference along the corpus callosum. A significant difference between the male and female group in diffusion measurement appeared predominantly in the right corpus callosum only when FA was the feature image. Our results demonstrated that the FA image as a feature image was more accurate with respect to the underlying tensor information and had more accurate analysis results with the TABS method. Clinical neuroimaging studies increasingly rely on diffusion tensor imaging (DTI), which is unique in providing rich information regarding the properties and structure of brain white matter (WM) in vivo 1-4. With the popularity of DTI, clinical and neuroscience questions related to WM were often addressed by quantitative analysis for regions of specific white matter tracts 5. Reviewing the number of DTI analyses, the voxel-based analysis (VBA) method is highly sensitive to registration accuracy and tract-based spatial statistics (TBSS) method is limited to skeleton voxels with many WM regions being neglected 6,7. To address the limitation above, tractography atlas-based analysis (TABS), as an optimized white matter analysis which creates a voxel-wise statistical framework for detecting and understanding white matter differences along a fiber tract, has been used frequently in WM pathway studies 8-10. In the pipeline of the TABS method, comparison of diffusion properties along a fiber tract requires a method for identifying corresponding anatomical regions 11. Hence, accurate alignment of the brain anatomy between subjects may potentially affect the accuracy of voxel-wise statistics. The TABS method contains two major steps, the construction of a diffusion tensor (DT) template and a statistical model for each voxel along the fiber tracts 12,13. For the template construction, all tensor images in native space are aligned to the population space with a non-linear deformation field 6,14-16. Integrating spatial and diffusion tensor information in all subjects, a population template is constructed to provide spatial normalization for the analysis of diffusion values at corresponding locations along the fiber tracts 17,18. In order to minimize the anatomical variability between studied brain structures, Goodlett et al. 11 pointed out that the feature image is a sensitive detector of microstructure in the brain that has crucial importance during template construction 11. For statistical model building, the fibers in the population space were first mapped into one common coordinate system with a parameterization method, and then the parameterized fibers were warped back into the individual's native space with an inverse deformation field to collect the diffusion measure 11,13. Accordingly, the accuracy of the deformation field affected by the selection of the feature image has a significant impact for the matching
Switching costs are a recognised issue in banking markets around the world, but in many countries... more Switching costs are a recognised issue in banking markets around the world, but in many countries, including New Zealand, regulators give them limited attention. A recent study confirmed that switching costs exist in the New Zealand banking market, and found that the categories of switching costs that are perceived by consumers to be the most important are the hassle of switching, the possible disruption to service and the need to learn new systems at the new bank. Based on these findings, this paper considers possible regulatory responses to the issue of switching costs in the banking market, primarily in New Zealand.
Switching costs generate customer inertia, locking customers in to their existing financial servi... more Switching costs generate customer inertia, locking customers in to their existing financial services provider. Perceptions of switching costs have been found to vary between life cycle groups. This paper enhances the understanding of switching costs in banking by exploring the link between the family life cycle and the nature of the banking relationship, as well as the variation in perceptions of switching costs related to the nature of the banking relationship. Three aspects of the banking relationship are considered: the size, the spread and the complexity. The data used is from a larger study of switching costs in banking, comprising 955 responses that were received to a mail survey. Both size and complexity of the banking relationship are found to be related to the family life cycle, while both spread and complexity are found to be associated with perceptions of switching costs. The conclusion drawn is that the differences in complexity of the banking relationship associated wit...
Microfinance institutions (MFIs) have become central players in socio-economic development especi... more Microfinance institutions (MFIs) have become central players in socio-economic development especially in developing countries. This paper investigates empirically the inefficiency factors of South Asian MFIs using stochastic frontier analysis (SFA). A total of 392 MFIs were sampled for the period from 2003-2013. The underpinning assumption is that governance i.e. ownership, regulatory structures of MFIs and women in several roles as a buyer, lender and board member are important efficiency indicators of microfinance business. The estimated results suggest that presence of female loan officers have a positive effect while female board members and female borrowers show a significant negative impact on financial and social efficiency of MFIs. A strong positive association is found between the governance of an MFI and its efficiency. Cost efficiency estimates show that, on average, South Asian MFIs are operating at similar financial and social efficiency levels. It is therefore not sugg...
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Papers by Claire Matthews