The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran
Electronic banking is one of the applications of the information and communication technology (ICT) in money market and banking industry. In this paper, we investigate the effects of electronic banking on the commercial banks profitability using an econometric model. The model is based on the* Struc...
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| Format: | Article |
| Language: | fas |
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Allameh Tabataba'i University Press
2008-06-01
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| Series: | فصلنامه پژوهشهای اقتصادی ایران |
| Subjects: | |
| Online Access: | https://ijer.atu.ac.ir/article_3600_6592005b1845e538a79d13482b374321.pdf |
| _version_ | 1827393293297647616 |
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| author | Atousa Goudarzi Haidar Zobaidie |
| author_facet | Atousa Goudarzi Haidar Zobaidie |
| author_sort | Atousa Goudarzi |
| collection | DOAJ |
| description | Electronic banking is one of the applications of the information and communication technology (ICT) in money market and banking industry. In this paper, we investigate the effects of electronic banking on the commercial banks profitability using an econometric model. The model is based on the* Structure-Conduct-Performance* approach in which the return of total assets (ROA) depends on market concentration, bank size, the number of automated teller machines (ATM), and the membership in the SHETAB network. We estimate the model using a panel data method consisting of the six major commercial banks (Tejarat, Refah Kargaran, Sepah, Saderat, Mellat and Melli banks) over the period 1998-2004. The results show that the number of automated teller machines (ATM) has a positive effect on profitability of commercial banks and the effect increases after joining the SHETAB network. We conclude that the expansion of electronic banking has a positive and significant effect on the commercial banks profitability. |
| first_indexed | 2024-03-08T17:46:15Z |
| format | Article |
| id | doaj.art-afc66b0174e74c88a69fcb8e663dcd10 |
| institution | Directory Open Access Journal |
| issn | 1726-0728 2476-6445 |
| language | fas |
| last_indexed | 2024-03-08T17:46:15Z |
| publishDate | 2008-06-01 |
| publisher | Allameh Tabataba'i University Press |
| record_format | Article |
| series | فصلنامه پژوهشهای اقتصادی ایران |
| spelling | doaj.art-afc66b0174e74c88a69fcb8e663dcd102024-01-02T10:28:20ZfasAllameh Tabataba'i University Pressفصلنامه پژوهشهای اقتصادی ایران1726-07282476-64452008-06-0111351111403600The Effects of E-Banking on Commercial Banks Profitability: The Case of IranAtousa Goudarzi0Haidar Zobaidie1Associate Professor, Allame Tabatabaie UniversityM.A. in EconomicsElectronic banking is one of the applications of the information and communication technology (ICT) in money market and banking industry. In this paper, we investigate the effects of electronic banking on the commercial banks profitability using an econometric model. The model is based on the* Structure-Conduct-Performance* approach in which the return of total assets (ROA) depends on market concentration, bank size, the number of automated teller machines (ATM), and the membership in the SHETAB network. We estimate the model using a panel data method consisting of the six major commercial banks (Tejarat, Refah Kargaran, Sepah, Saderat, Mellat and Melli banks) over the period 1998-2004. The results show that the number of automated teller machines (ATM) has a positive effect on profitability of commercial banks and the effect increases after joining the SHETAB network. We conclude that the expansion of electronic banking has a positive and significant effect on the commercial banks profitability.https://ijer.atu.ac.ir/article_3600_6592005b1845e538a79d13482b374321.pdf: profitabilityinformation and communication technologye-bankingstructuralismpanel data |
| spellingShingle | Atousa Goudarzi Haidar Zobaidie The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran فصلنامه پژوهشهای اقتصادی ایران : profitability information and communication technology e-banking structuralism panel data |
| title | The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran |
| title_full | The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran |
| title_fullStr | The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran |
| title_full_unstemmed | The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran |
| title_short | The Effects of E-Banking on Commercial Banks Profitability: The Case of Iran |
| title_sort | effects of e banking on commercial banks profitability the case of iran |
| topic | : profitability information and communication technology e-banking structuralism panel data |
| url | https://ijer.atu.ac.ir/article_3600_6592005b1845e538a79d13482b374321.pdf |
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