In this study, we investigated the effects of the bank's profitability performance of electronic-based banking services. The effects of ROA and ROE performance were analyzed the data, which are 23 developed and developing countries' electronic banking services through 2005 to 2013, by dynamic panel data methods. Due to the innovative nature of electronic banking services will show the bank performance significantly. Both the analyzing method and involving of developed and developing countries' banking data are the most obvious differences of the study from similar studies in the literature. Result show that bank profitability of developed and developing countries affected from the ratio of the number of branches to the number of ATMs is highly significant and electronic banking services in significant. Results show that some variables were found to be in contrast to the expected negative relationship, because of diversity in the level of development of the countries, the socio-cultural structure and electronic banking infrastructure.

In this study, the interaction between internet banking and bank performance is investigated by panel causality tests. Banking data of 30 European countries analyzed by Demitrescu -Hurlin panel causality test for the period 2005-2013. ROA and ROE ratios were used as measures of bank performance. Not only whole sample consisting of Euro Area and the others but also Euro Area and the other countries in Europe considered as samples and tested two sub-samples. Results show that a strong relationship through internet banking to the bank performance in the Euro Area countries and for the rest of the Euro Area countries are also not determined causation significantly in both directions. On the other hand, there is also a significant relationship internet banking to performance of the bank considering the whole sample.

Decision making concept can be defined as selection process choosing one of the options, if the outcomes are not certain. In practice it is not sufficient to evaluate the options according to the simplest form of decision making only based on a criterion. In such cases, we must consider all the variety of different information to decide to best option. It arise the requirement of multi-criteria decision making methods.AHP (Analytical Hierarch Process) is a technique that models the relations which are different stage. On the other hand that technique is insufficient to evaluate interdependency relations. The ANP (Analytic Network Process) has the ability to add all the criteria related with the issue. The method of the ANP can be described as follows. The first phase of the ANP is to compare the criteria in whole system to form the supermatrix. This is done through pairwise comparisons by asking experts.The first step of the ANP is to compare the importance between each criterion. The next step is to calculate the influence of the elements (criteria) in each component (matrix) using the eigenvalue method.In this research, financial performans ranking of Turkish Insurance companies, which large-scaled business in non-life branches, are obtained for the period 2006-2010 using financial ratios of companies and applying the ANP model which was developed with the superdecision software.

Finans sektörüne sağladığı katma değer, yarattığı istihdam ve birçok sektörle etkileşim içinde olması sebebiyle tüm gelişmiş ülkelerde olduğu gibi Türkiye ekonomisi için de bankacılık sektörünün yanı sıra stratejik öneme sahip sektörlerden birisi sigorta sektörüdür. Bu çalışmada Türk Sigorta Sektöründe 2006-2010 döneminde hayat dışı branşlarda faaliyet gösteren 23 sigorta şirketine ait öz kaynaklar, toplam aktifler, alınan primler, dönem net kar (zarar) ve teknik kar değişkenleri kullanılarak, toplam faktör verimlilikleri Malmquist toplam faktör verimlilik endeksi ile hesaplanmıştır.

The understanding of the importance of intercultural communication carried out by the Indonesian Diaspora in Turkiye can provide an accurate picture of the actual conditions of the processes that occur in intercultural communication between Indonesian culture and Turkish culture. Qualitative descriptive research in this research was carried out with in-depth interviews with three respondents who were in Turkiye. Each represented the Indonesian diaspora in the scope of Government, namely the Cultural Attaché of the Republic of Indonesia, then the Indonesian Student Association in Turkiye, and Indonesian workers who were active in Turkiye. Research reveals that the pattern of the Indonesian diaspora in conducting intercultural communication is by understanding each other between two or more cultures and establishing close relationships in the work environment, study environment, to the social and Government environment, including an approach with adaptability to socializing styles, culinary, to the artistic attractions of each culture. With this understanding and adaptation attitude, it turns out that the Indonesian diaspora also opens up opportunities to become bridging agents in the exchange of two cultures, Indonesia and Turkiye, and shows the occurrence of a two-way intercultural communication process.