Electronic Banking and Financial Performance of the Russian Bank

Rozhkova, Darya; Rozhkova, Nadezhda; Tozhihonov, Saidvalikhon

doi:10.1007/978-3-030-66093-2_22

Cited by 4 publications

(7 citation statements)

References 12 publications

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“…(2021) refer to the adoption of digital-related factors such as Internet banking, ATM, mobile payment … as digitalization. Accordingly, they measure digitalization as the number of electronic transactions (Boateng, 2020; Rozhkova et al. , 2020), the transaction volume of Internet banking, mobile payment and the number of ATMs (Wijayanti et al.…”

Section: Methodsmentioning

confidence: 99%

“…Previous studies use various proxies for bank digitalization. For example, Boateng (2020), Rozhkova et al. (2020), Wijayanti et al.…”

Section: Literature Review and Hypotheses Developmentmentioning

confidence: 99%

“…Previous studies use various proxies for bank digitalization. For example, Boateng (2020), Rozhkova et al (2020), Wijayanti et al (2021) refer to the adoption of digital-related factors such as Internet banking, ATM, mobile payment . .…”

Section: Literature Review and Hypotheses Development 21 Digitalizati...mentioning

confidence: 99%

“…as digitalization. Accordingly, they measure digitalization as the number of electronic transactions (Boateng, 2020;Rozhkova et al, 2020), the transaction volume of Internet banking, mobile payment and the number of ATMs (Wijayanti et al, 2021). However, these measures reflect the adoption of e-services rather than the level of digitalization.…”

Section: Baseline Research Modelmentioning

confidence: 99%

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Digitalization and bank profitability: evidence from an emerging country

Nguyen,

Ho,

Nguyen

2023

IJBM

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PurposeThis study aims to investigate the effect of digitalization on bank profitability among Vietnamese banks.Design/methodology/approachThe research employs fixed-effects regression on a panel data of 32 banks in Vietnam during the period 2010–2021.FindingsThe study reveals a positive impact of digitalization on bank profitability. The result is robust to different measures and empirical settings. Not surprisingly, small banks and banks with high percentage of state ownership experience lower profitability than their peers. However, digitalization helps improve the profitability of these banks. This study explains the effect by showing that digitalization significantly reduces bank cost in terms of cost to income ratio and increases bank non-interest income through diversification into non-traditional products and services. In addition, the current stage of bank digitalization in Vietnam does not reduce banks’ employment costs since it requires staffs to support and operate the new system.Practical implicationsThe research findings are motivations for bankers and policy-makers in designing appropriate strategies toward digitalization. Investors can also consider highly digitalized banks as valuable investment.Originality/valueThis research extends the current literature on the relationship between digitalization and bank profitability, with a focus on commercial banks in Vietnam. Given the high involvement of the government and the dominance of several large banks in the banking system, the study also explores whether the effect of digitalization on bank profitability varies with the bank’s size and state ownership. Last but not least, the channels in which digitalization affects bank profitability are also examined.

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Section: Methodsmentioning

confidence: 99%

“…Previous studies use various proxies for bank digitalization. For example, Boateng (2020), Rozhkova et al. (2020), Wijayanti et al.…”

Section: Literature Review and Hypotheses Developmentmentioning

confidence: 99%

Section: Literature Review and Hypotheses Development 21 Digitalizati...mentioning

confidence: 99%

Section: Baseline Research Modelmentioning

confidence: 99%

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Digitalization and bank profitability: evidence from an emerging country

Nguyen,

Ho,

Nguyen

2023

IJBM

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“…Can we say the level of returns and profitability of the banks justifies the huge investments in digital infrastructure and electronic banking channels? For instance, Rozhkova, Rozhkova and Tozhihonov, (2021) clearly stipulate that while electronic banking channels improve ease of doing banking transactions and customer satisfaction, on the other hand, it exhibits no significant association with the performance of the banks. This suggests that technological innovations only benefits bank customers and do not impact on performance of bank in terms of earning and higher returns.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Impact of Technological Innovations on Bank Performance in Selected West African Countries (1997-2020)

Enoruwa,

Onwumere,

Ibunor

et al. 2023

J. Professional Business Review

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Purpose: Technological innovations are understood as new or improved processes, products or services, the technical characteristics of which are significantly different from the previous ones. Technological innovations in the banking sector have undoubtedly improved the functionality and performance of banks across the globe including West African countries such as Nigeria, Ghana and Coted’Ivoire. It has redefined the way and regime in banking operation in West Africa. It enables banks to improve the quality of service delivery to their numerous customers and makes it easy for customers to access banking services at the lowest cost possible. This study, therefore, focused on examining the impact of technological innovations on bank performance in West Africa. Method: A set of annual time series covering the period 1997 to 2020 and a multiple regression analysis including an autoregressive distributed lag (ARDL) model, a fully modified OLS (FMOLS) model and a dynamic OLS (DOLS) model were used. Bank performance was measured using bank return on assets (ROA) and bank return on equity (ROE), while technological innovation was measured using indicators such as Internet Banking (INB), Automated Teller Machines (ATM), Mobile Banking (MBN) and Point of Sale (POS) whose control variables are inflation rate (INFR) and exchange rate (EXR). Results and conclusion: Findings from the ARDL panel results show that both positive and negative long-term relationships exist between technological innovation and bank performance in West Africa. We thoroughly verified the results from the ARDL model with FMOLS and DOLS and the findings show that technological innovation has a positive and negative long-run relationship with bank performance in West Africa and the results were the same for Nigeria, Ghana and Ivory Coast. Originality/Value: This study, therefore, recommends that improving the quality of technologically innovative tools of banks such as internet banking, ATMs, POS and mobile banking with quality apparatus can lead to improved bank performance. Banks should also invest in cyber security to ensure funds deposited in banks are safe which will boost investor and customer confidence, acceptance and lead to increased bank performance.

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Brand Valuation of the Russian Bank: Interbrand Model

Rozhkova

Serna³

et al. 2022

Lecture Notes in Networks and Systems

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Electronic Banking and Financial Performance of the Russian Bank

Cited by 4 publications

References 12 publications

Digitalization and bank profitability: evidence from an emerging country

Digitalization and bank profitability: evidence from an emerging country

Impact of Technological Innovations on Bank Performance in Selected West African Countries (1997-2020)

Brand Valuation of the Russian Bank: Interbrand Model

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