Does Electronic Banking Really Improve Bank Performance? Evidence in China

Yang, Shaohua; Li, Zeyun; Ma, Yi; Chen, Xingxing

doi:10.5539/ijef.v10n2p82

Cited by 37 publications

(48 citation statements)

References 18 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…This is indicated by not all communities, especially those who live in rural or remote areas, can access e-banking due to being hampered by signals or internet networks. Yang et al (2018) states that the speed of ebanking services is strongly influenced by network speed. Besides that, digital banking is a long journey that takes time to adjust with digital strategies, overcome digital distractions (such as unstable internet connections), and takes time to improve bank features to suit the needs of customers (Deloitte tax & consulting, 2017).…”

Section: Discussionmentioning

confidence: 99%

Financial banking performance of ASEAN-5 countries in the digital era

Malik

Oktavia

Suliswanto

et al. 2020

Jurnal Keuangan Dan Perbankan

View full text Add to dashboard Cite

The improvement of technology and information create a digital era in all aspects of the economy, one example is in the banking sector. This study aims to find out and compare the banking financial performance in Indonesia, Singapore, Malaysia, Thailand and the Philippines in the period 2012-2017. The model used in hypothesis testing using one-way ANOVA parametric test. Furthermore, using the panel regression analysis and results from coefficient of determination (R2) from the regression to see the influence of digital era on ASEAN banking financial performance. The results of the study showed that the financial performance of ASEAN-5 banks differ significantly with other ASEAN countries and the average value of Indonesian banking financial performance showed better results than the other four ASEAN countries on CAR, ROA, and NIM ratios. However, on average the LDR ratio shows that Singapore, Malaysia, and Thailand are better than Indonesia. There are two of five variables that have a significant effect on bank profitability, namely the implementation of digital banking and the funding variables from third parties in banks. Other variables that are not significant are completeness in information of digital banking provided by the bank, the number of internet banking users of each bank, and the amount of credit channeled by the bank. AbstrakPeningkatan teknologi dan informasi menciptakan era digital di semua aspek ekonomi, salah satu contohnya adalah di sektor perbankan. Penelitian ini bertujuan untuk mengetahui dan membandingkan kinerja keuangan perbankan di Indonesia, Singapura, Malaysia, Thailand dan Filipina pada periode 2012-2017. Model yang digunakan dalam pengujian hipotesis menggunakan uji parametrik ANOVA satu arah. Selanjutnya, menggunakan analisis regresi panel dan hasil dari koefisien determinasi (R2) dari regresi untuk melihat pengaruh era digital terhadap kinerja keuangan perbankan ASEAN. Hasil penelitian menunjukkan bahwa kinerja keuangan bank-bank ASEAN-5 berbeda secara signifikan dengan negara-negara ASEAN lainnya dan nilai rata-rata kinerja keuangan perbankan Indonesia menunjukkan hasil yang lebih baik daripada empat negara ASEAN lainnya pada rasio CAR, ROA, dan NIM. Namun, secara rata-rata rasio LDR menunjukkan bahwa Singapura, Malaysia, dan Thailand lebih baik daripada Indonesia. Ada dua dari lima variabel yang memiliki pengaruh signifikan terhadap profitabilitas bank, yaitu penerapan perbankan digital dan variabel pendanaan dari pihak ketiga di bank. Variabel lain yang tidak signifikan adalah kelengkapan informasi perbankan digital yang disediakan oleh bank, jumlah pengguna internet banking masing-masing bank, dan jumlah kredit yang disalurkan oleh bank. | 118 | 1.

show abstract

Section: Discussionmentioning

confidence: 99%

Financial banking performance of ASEAN-5 countries in the digital era

Malik

Oktavia

Suliswanto

et al. 2020

Jurnal Keuangan Dan Perbankan

View full text Add to dashboard Cite

show abstract

“…Akhisar et al (2015) advocates that less number of customers using e-banking services could affect performances of the banks negatively. Yang et al (2018) mentions that banks should establish customer oriented business strategy in order to gain more loyal customers for their banking services. Therefore, the main initiative of this research is to explore the linkage between E-Banking usage and level of customer satisfaction.…”

Section: Introductionmentioning

confidence: 99%

E-Banking Effects on Customer Satisfaction: The Survey on Clients in Jordan Banking Sector

Altobishi¹,

Erboz²,

Podruzsik³

2018

IJMS

View full text Add to dashboard Cite

In general, the managers in financial organizations and institutions are willing to maintain customer satisfaction, in order to minimize their cost and strengthen their competitive advantage.In Jordan, most of the commercial banks offer their banking services electronically. Therefore, this research aims to investigate the effects of electronic banking services on customer satisfaction in the lights of survey questions asked to 175 clients in Jordan. The reviewed literature indicates that convenience, privacy, cost, ease of use, personalization and customization and security are six indicators that affect level of customer satisfaction with E-Banking. The survey questions conducted in these six indicators and statistical results shows a positive relationship between level of customer satisfaction and usage of E-Banking among customers. There is positive relationship between five indicators and level of customer satisfaction and usage of E-Banking. Only Privacy is not discovered to have an effect on Customer Satisfaction in Jordan.

show abstract

“…Inventions of the internet and mobile technology are key information communication technologies that have enhanced the manner of doing business in recent years. The growing number of applicants for internet has also been very crucial in product marketing and distribution in many businesses (Yang, Li, Ma, & Chen, 2018).…”

Section: Introduction To the Studymentioning

confidence: 99%

Electronic Banking and Performance of Small and Medium Scale Enterprises in Anambra State, Nigeria

Mbah¹,

Obiezekwem²

2019

IJBM

View full text Add to dashboard Cite

This study aims to identify the relationship between electronic banking and performance of small and medium scale enterprises in Anambra state; one of the states with the highest number of SMEs, entrepreneurial skills, informal enterprises and a suitable business environment in Nigeria. To achieve this, the researcher examined performance of SMEs and their association with components of electronic banking; automated teller machine, point of sale services, transaction alerts via short message services (SMS) and mobile banking, through a questionnaire. Three hundred and seventy (73.1% response rate) copies of questionnaire issued to five hundred and six sampled respondents of 50 SMEs in Anambra state were properly filled and found relevant to the study. The study used SPSS and Excel to identify the descriptive characteristics of the variables of the study and analyze the data. Regression analysis was used to test the hypotheses of the study. Study results concluded that there is positive relationship between; automated teller machine, point of sale services, transaction alerts via short message services (SMS), mobile banking and performance of SMEs in Anambra State, Nigeria. The result also showed that SMEs continuous usage of electronic banking services could be attributed to cost effectiveness, convenience, security, accessibility and diversity of the services. The study recommends among others that, security of electronic banking services should be upgraded by a conjunction between SMEs and banks and that government should provide adequate regulatory framework to protect customers and security of transaction. Furthermore, policy makers in Nigeria should take advantage of the positive revelation of this study to make policies that will increase number of SMEs in Anambra state and Nigeria at large especially from the large number of informal enterprises in Anambra state and Nigeria.

show abstract

Does Electronic Banking Really Improve Bank Performance? Evidence in China

Cited by 37 publications

References 18 publications

Financial banking performance of ASEAN-5 countries in the digital era

Financial banking performance of ASEAN-5 countries in the digital era

E-Banking Effects on Customer Satisfaction: The Survey on Clients in Jordan Banking Sector

Electronic Banking and Performance of Small and Medium Scale Enterprises in Anambra State, Nigeria

Contact Info

Product

Resources

About