Concept

Service bancaire mobile

Publications associées (32)

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Tiers of joy? Reserve tiering and bank behavior in a negative-rate environment

Andreas Fuster

Negative interest rate regimes typically involve reserve tiering to exempt a portion of bank reserves from negative rates. We study the effects on bank behavior of a large and unanticipated change in reserve tiering by the Swiss National Bank that generate ...

2024

Flood, farms and credit: The role of branch banking in the era of climate change

Seyed Javad Kashizadeh, Pejman Abedifar

Using Iran's unexpected flood in April 2019 as a natural experiment, we show that local branches bridge the time gap between the disaster and governmental aids by immediately increasing their lending for two months following the flood. Analyzing proprietar ...

Elsevier2024

Online Dating Quantification Practices: A Human-Machine Learning Process

Jessica Carolina Pidoux

The phenomenon of online dating via web and mobile phone applications involves several actors: graphical interfaces, developers, algorithmic systems for user matching, and users. These actors have been studied in parallel by the social sciences and by comp ...

EPFL2021

Recent Advances in Face Presentation Attack Detection

Sébastien Marcel, André Anjos, Amir Mohammadi

The undeniable convenience of face-recognition (FR) based biometrics has made it an attractive tool for access control in various applications, from immigration-control to remote banking. Widespread adopti on of face biometrics, however, depends on the how ...

Springer2019

Three Essays in Banking and Finance

Damien Olivier Klossner

This thesis develops three models that study the motivation of various agents to take on debt, and the impact that excessive financial leverage can have on social welfare. In the chapter "Short-term Bank Leverage and the Value of Liquid Reserves", the ince ...

EPFL2019

Presentation attack detection in voice biometrics

Sébastien Marcel

Recent years have shown an increase in both the accuracy of biometric systems and their practical use. The application of biometrics is becoming widespread with fingerprint sensors in smartphones, automatic face recognition in social networks and video-bas ...

The Institution of Engineering and Technology2017

SenseCityVity: Mobile Crowdsourcing, Urban Awareness, and Collective Action in Mexico

Daniel Gatica-Perez, Darshan Santani

This work describes SenseCityVity, an approach to engage and support youth in a city in Mexico as they investigate, document, and reflect upon urban problems through mobile crowdsourcing. SenseCityVity focused on the development of a mobile crowdsourcing p ...

Ieee Computer Soc2017

Credit Supply and the Macroeconomy

Abhik Mukherjee

The policy response to the recent financial crisis has broadly focused on two themes: 1) Increasing the banking sectorsâ resilience to future financial shocks: 2) Improving credit availability to households and firms via lowering both short and long-term ...

EPFL2016

Slices of (mobile) life

Vincent Kaufmann, Emmanuel Pierre Jean Ravalet, Stéphanie Vincent

This investigation focuses on people like Gaby, Martin, Émilie and Jean, men and women whose lives are shaped by their transport experience. Their day to day is made real in this graphic novel, revealing to the reader the many forms and perceptions of work ...

Loco & Forum Vies Mobiles2015

High mobility over the life course: evidence from a longitudinal study in Europe

Vincent Kaufmann, Emmanuel Pierre Jean Ravalet, Gil Viry

Commuting and travelling extensively for job reasons both helps and challenges people to balance competing demands of work and personal life. People do not have equal resources and possibilities to benefit from high mobility. Globalisation, labour flexibil ...

2015