The E-Banking and the Adoption of Innovations from the Perspective of the Transactions Cost Theory: Case of the Largest Commercial Banks in Lebanon

Chedrawi, Charbel; Harb, Bissane; Saleh, Mariam

doi:10.1007/978-3-030-10737-6_10

Cited by 11 publications

(5 citation statements)

References 33 publications

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“…The first encompasses the complexity and tacit nature of the firm's internally performed tasks or that two different firms perform during a technological exchange. External uncertainty includes technological, fiscal and legal regulatory and competitive uncertainty [42].…”

Section: -3-transaction Cost Theorymentioning

confidence: 99%

Exploring Factors Influencing Open Innovation Adoption in SMEs: The Evidence from Emerging Markets

Puriwat

Tripopsakul

2021

Emerg Sci J

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Open Innovation (OI) is among the vital innovation paradigms for assisting small and medium enterprises (SMEs) to effectively implement innovation initiatives. Drawing on the concepts of organisational agility and absorptive capacity with transaction cost theory, this study’s goal is to investigate factors affecting the adoption of an Open Innovation (OI) orientation in Thai SMEs. Using data from 214 SMEs in Thailand, structural equation modelling validated the model and analysed the proposed hypotheses. The results show that organisational agility, economic and financial readiness and absorptive capacity relate positively to OI adoption and innovation performance. Organisational agility (b = 0.553) had the greatest influence on OI adoption, then economic and financial readiness (b = 0.405) and absorptive capacity (b = 0.387) followed. The results of mediation analysis also reveal that OI adoption partially mediates the effects of organisational agility and absorptive capacity on innovation performance. Our study provides a trailblazing empirical analysis of the major factors influencing SMEs’ OI adoption and performance, extending knowledge of OI adoption by SMEs in emerging economies. The paper proposes a holistic framework for examining SMEs’ OI adoption and performance, through the integration of organisational agility, absorptive capacity and transaction-cost concepts. Doi: 10.28991/esj-2021-01295 Full Text: PDF

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Section: -3-transaction Cost Theorymentioning

confidence: 99%

Exploring Factors Influencing Open Innovation Adoption in SMEs: The Evidence from Emerging Markets

Puriwat

Tripopsakul

2021

Emerg Sci J

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“…Generally, it is argued that electronic banking services help improve bank performance (Hernando and Nieto 2007;Ciciretti et al 2009;Weigelt and Sarkar 2012), ATMs help increase bank profitability (Holden and El-Bannany 2004;Le and Ngo 2020), while the combination of electronic payments and ATMs helps reduce bank costs (Valverde and Humphrey 2009). Such evidence is found in Bangladesh (Siddik et al 2016), Lebanon (Chedrawi et al 2019), the Europe (Akhisar et al 2015;Tunay et al 2015), Vietnam (Ngo and Le 2022), or even in a global context (Le and Ngo 2020). Conflicting results, however, are occasionally found, as in the study of DeYoung (2001), whereas internet-based US banks tended to earn lower non-interest income and profits, compared to their counterparts.…”

Section: Literature Reviewmentioning

confidence: 99%

ICT as a Key Determinant of Efficiency: A Bootstrap-Censored Quantile Regression (BCQR) Analysis for Vietnamese Banks

Ngo

et al. 2022

IJFS

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There is evidence that ICT developments can improve bank efficiency and performance. Previous studies often employ data envelopment analysis (DEA) to first examine bank performance and then use a second-stage regression to explain the influences of other environmental factors, including ICT, on such efficiency. Since DEA efficiency scores are bounded between the (0, 1] intervals, Tobit and truncated regressions are commonly used in this stage. However, none has accounted for the skewness characteristic of DEA efficiency. This paper applied a bootstrap-censored quantile regression (BCQR) approach to triply account for the issues of a small sample (via bootstrap), bounded intervals (via censored regression), and skewness (via quantile regression) in DEA analysis. We empirically examined the efficiency and performance of 27 Vietnamese commercial banks in the 2007–2019 period. The efficiency scores derived from our first stage revealed that they are skewed and thus, justify the use of the BCQR in the second stage. The BCQR results further confirmed that ICT developments could enhance bank efficiency, which supports the recent policy to restructure the Vietnamese banking sector toward innovation and digitalization. We also examined the impacts of other factors such as bank ownership, credit risk, and bank size on efficiency.

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“…Le and Ngo (2020) found that payment technology improves bank profitability. Furthermore, Chedrawi et al . (2019) demonstrated that adopting information technology is driven by competition between banks, perceived profit and cost reduction.…”

Section: Literature Reviewmentioning

confidence: 99%

“…Le and Ngo (2020) found that payment technology improves bank profitability. Furthermore, Chedrawi et al (2019) demonstrated that adopting information technology is driven by competition between banks, perceived profit and cost reduction. Banks without the digital model will lose a return on equity (ROE) by 18% over a five-year timeframe due to FinTech and competitor banks (Mittal et al, 2016).…”

Section: Literature Reviewmentioning

confidence: 99%

Bank lending during the COVID-19 pandemic: do alliances and digital strategies matter?

Yudaruddin

2022

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PurposeThis paper investigates the joint impact of COVID-19, alliances and digital strategies on bank lending. Additionally, this study examines whether the effect of COVID-19, alliances and digital strategies on bank loans depends on the types of banks.Design/methodology/approachUsing a sample of 92 commercial banks in Indonesia from March 2020 to September 2021, a fixed-effects model (FEM) was used to analyze data.FindingsThis study provides robust results regarding the negative impact of the COVID-19 pandemic on bank loans in Indonesian banking. Furthermore, it reveals that collaboration between banks and FinTech does not substantially influence bank lending, despite the rise in proven cases tending to reduce credit expansion. It emphasizes the importance of the development of mobile banking as part of digitalization in boosting loan bank expansion, and this finding is more noticeable in private and small banks.Practical implicationsThis study highlights some policy recommendations to improve bank lending during the COVID-19 period, particularly the role of new alliances and digital strategy in involving COVID-19 pandemic mitigation within a novel financial ecosystem.Originality/valueThis study offers a significant contribution to the empirical literature that specifically explores the joint impact of the COVID-19 pandemic, alliances and digital strategies on bank lending in banking.

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The E-Banking and the Adoption of Innovations from the Perspective of the Transactions Cost Theory: Case of the Largest Commercial Banks in Lebanon

Cited by 11 publications

References 33 publications

Exploring Factors Influencing Open Innovation Adoption in SMEs: The Evidence from Emerging Markets

Exploring Factors Influencing Open Innovation Adoption in SMEs: The Evidence from Emerging Markets

ICT as a Key Determinant of Efficiency: A Bootstrap-Censored Quantile Regression (BCQR) Analysis for Vietnamese Banks

Bank lending during the COVID-19 pandemic: do alliances and digital strategies matter?

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