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Volume 29, Issue 2 (3-2019) |
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Investigating the Role of Internet on Banking System Performance (Panel Data Approach)
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Siamak Shokouhifard   , Farzad Rahimzadeh * , Hamed Shams |
| University of Guilan |
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Abstract: (3083 Views) |
Nowadays, Internet has a key role to facilitate economic activities in each country. In banking sector, Internet and information technology is one of the tools that help banks to reduce costs. The aim of this study is to examine the impacts of Internet on Banking System return. Therefore, the banking data for the 11 selected MENA countries (68 banks) in the period 2005-2018 extracted from the Bank scope database and then, the model was fitted to the panel data. The estimation results show that capitalization depth, credit risk variables, loan specialization ratio, banking size, Islamic property of bank and the bank's share ability to trade in the stock market have positive and statistically significant effect (at 5% significance level) on the return of banks. Also, the amount of state owned banks and the inefficiency ratio of banks have a negative impact on banks' returns. Based on the model estimation results, if other variables be constant, by increasing internet variables as 1000 units, the return of banks. increase as 0/17 to 0/35 percent.
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| Keywords: Internet, banking system performance, panel data, Iran, MENA selected countries. |
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Full-Text [PDF 245 kb]
(1124 Downloads)
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Type of Study: Applicable |
Subject:
Special
Received: 2019/12/11 | Accepted: 2019/11/22 | Published: 2019/12/14
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