Kazik Jerzy 
Banking 
Services, Opportunities and Risks

In the first chapter, the authors discuss future bank implementation of mobile banking and offer findings from a larger global study examining bank implementation of mobile banking. In previous literature, it was found that mobile banking will negatively influence customer usage of other channels, in particular the bank branch, although, despite branch rationalization, they are predicted to remain in some form. Afterwards, Islamic social banking, its quadruple bottom-line principles, social outcomes, responsiveness, and the possible paths to establishment are considered in the second chapter. The third chapter supplements this by exploring the possibility of Libyan banks participating in Islamic methods of finance through Islamic banking products and services. A questionnaire was administered to 134 bank directors and senior bank managers to collect information on their vocational profiles and their attitudes towards Islamic methods of finance. Afterwards, descriptive statistics were used to identify the main characteristics of the sample and the potential use of Islamic methods of finance. The improvement of marketing conceptions is discussed in the fourth chapter, focusing on economic perspective, specifically the pursuit of efficient marketing management so the banking institution can achieve stable position in the market. In the fifth chapter, a study is presented wherein press releases from two different levels of organisations (local and international) are examined in an effort to interpret patterns in the use of proper nouns and pronouns. The risk management practices employed in Islamic banks in the sixth chapter are evaluated, mainly addressing the operational, credit, and liquidity risks as well as the efficiency of current risk-management methods. There is specific consideration concerning the differences in risk management practice between Islamic and conventional banks and the implications this may have for their performance and sustainability. In the seventh chapter, the approaches banks take to adjust their behavior after the subprime crisis are analyzed, with the goal of goal identifying the banking strategies according to their statutes, corporate governance, and risk management In the eighth and final chapter, a general concept of bank work description is presented based on several factors, including: investment strategy as in risk and risk-free assets, dynamics of deposits attraction and incomes from operational activity, and dynamics of liability payments.