The rise of financial technology (fintech) driven business models in banking poses a challenge for financial regulators. While the positive effects on the banking sector in terms of greater diversity and competition are generally recognized and encouraged by regulators, the nature of fintech business models may increase the risk of financial instability. Regulators are exploring ways to resolve this dilemma. The paper in hand makes a contribution to the literature by providing a framework for resolving the dilemma that is evaluated in the context of the regulatory response to the rise of fintech credit in the Netherlands. The semi-structured interviews which we conducted with four senior Dutch regulators resulted in three areas that–from their perspective–required urgent action: fintech credit companies need to lower the risk of overlending, increase pricing transparency, and improve lending standards. These findings were confirmed by the results of they survey among fintech credit clients. The current regulatory response to the rise of fintech in banking in the Netherlands provides an interesting case study that delineates the features of the future regulation of fintech in banking.
Thesis: Ethics work (Banks 2012, 2016) is a stimulating concept for the ethical improvement of inter-professional cooperation. Outline: Starting point: ideal-typical professionalism Introduction to ethics work Professionalism requires inter-professional cooperation Inter-professional expansion of ethics work Final remarks and further challenges
Innovative work behavior has been one of the essential attribute of high performing firms, and the roles of entrepreneurial orientation and self-leadership have been important for promoting innovative work behavior. This study advances research on innovative work behavior by examining the mediating role of self-leadership in the relationship between perceived entrepreneurial orientation and innovative work behavior. Structural equation modelling is employed to analyze data from a survey of 404 employees in banking sector. The results of reliability measures and confirmatory factor analysis strongly support the scale of the study. The results from an empirical survey study in the deposit banks reveal that participants’ perceptions about high levels of entrepreneurial orientation have a positive impact on innovative work behavior. The results also provide support for the full mediating role of self-leadership in the relationship between participants’ perceptions of entrepreneurial orientation and innovative work behavior. Additionally, this study provides some implications for practitioners in the banking sector to facilitate innovative work behavior through entrepreneurial orientation and self- leadership.
De laatste jaren zien we een hernieuwde aandacht voor de maatschappijkritische rol van het sociaal werk die vanaf halverwege de jaren ’90 nagenoeg van het toneel verdween (Peeters, 2010; Banks, 2014; Scholte, 2018). De participatiesamenleving doet een appel op de zelfredzaamheid, de eigen kracht en het informele netwerk van het individu om problemen aan te pakken, zonder daarbij de structurele oorzaken van sociale problemen te adresseren (Peeters, 2010; Banks, 2014; Nachtergaele e.a., 2017; Hubeau, 2018; Reynaert, Roose & Hermans, 2018; Scholte, 2018; Kampen, z.d.). Steeds meer onderzoek laat echter zien dat een beroep op de zelfredzaamheid en de eigen kracht van het individu juist voor kwetsbare groepen niet realistisch is (WRR, 2017; De Brabander, 2014). Sociaal werk zonder maatschappijkritische visie leidt tot een professioneel en democratisch tekort (Bredewold, e.a., 2018). Empowerment speelt een belangrijke rol in de maatschappijkritische positie van sociaal werk (Peeters, 2010; Banks, 2014). Empowerment richt zich niet alleen op het versterken van het zelfvertrouwen van het individu, het bevorderen van een gedeelde verantwoordelijkheid en inclusie, maar ook op het veranderen van structurele oorzaken die sociaal onrecht, sociale ongelijkheid en ongelijke machtsverhoudingen in stand houden (IFSW, juli 2018; Hubeau, 2018). Hier krijgt empowerment een ethisch-politieke dimensie (Van Regenmortel, 2011; Banks, 2012). Dit onderzoek spitst zich toe op de vraag wat de ethisch-politieke dimensie van empowerment inhoudt en op welke wijze empowerment kan bijdragen aan het ontwikkelen van de maatschappijkritische rol van het sociaal werk. Het uitgangspunt is daarbij dat ethiek ‘situated and politicized’ is (Banks, 2014). Deze invalshoek op ethiek biedt een verbreding van de beroepsethiek, die doorgaans ethische kwesties reduceert tot persoonlijke dilemma’s. Over deze bredere ethisch-politieke invalshoek is in Nederland nog nauwelijks geschreven. Het doel van dit onderzoek is kennis over deze ethisch-politieke invalshoek te ontsluiten voor studenten, docenten en professionals.
For the general public harbour and grey seals are the symbol of the Wadden Sea. The Wadden Sea is an ideal environment for seals: sandbanks that fall dry at low tide are important for rest and for suckle pups. However, the total population of harbour seals has first stabilized and later decreased in recent years, while the annual number of pups born has increased, but the mechanisms underlying this mismatch remain unclear. Furthermore, the harbour seal population has declined since 2022, but the cause of this decline is also unknown. The objective of the proposed study is to increase our understanding of the mechanisms underlying the population trends of harbour seals currently observed in the Dutch Wadden Sea. The study will be carried out by a consortium, involving key players involved in seal conservation and research in the Netherlands. Furthermore, to ensure that the research is embedded in the international context, the Common Wadden Sea Secretariat is a partner in the consortium. The consortium partners have concluded that essential monitoring data on harbour seals is missing and therefore we propose to investigate and report on four themes: (1) mapping of governance, stakeholders and data landscape, (2) identifying mechanisms underlying the observed population numbers, by reviewing available evidence and exploring possible mechanisms, (3) evaluation and improvement of harbour seal monitoring and (4) communication and advice for governance. We will share our findings through reports, scientific papers, infographics, conference presentations, workshops, and proposed monitoring protocols. We will synthesize and communicate our findings targeting four specific groups: (1) the general public (2) the scientific community, (3) educational institutions, and finally (4) the ministry of Agriculture, Nature and Food Quality (LNV), providing them with advice on how to advance research, conservation and management of the harbour seal population in the Dutch Wadden Sea.
