The Impact of Information Technology on US Commercial Banks: Who Is the Loser?

2018 ◽  
Author(s):  
Haiyan Pang
Keyword(s):  
Information Technology ◽  
Commercial Banks ◽  
The Impact

COMPETITION, RISK AND PROFITABILITY IN BANKING SYSTEM — EVIDENCE FROM VIETNAM

2020 ◽  
Vol 65 (06) ◽  
pp. 1491-1505
Author(s):  
THI HIEN NGUYEN ◽  
HA GIANG TRAN
Keyword(s):  
Information Technology ◽  
Risk Reduction ◽  
Commercial Banks ◽  
Banking System ◽  
Bank Competition ◽  
Competition Index ◽  
Data Set ◽  
Bank Profitability ◽  
Empirical Results ◽  
The Impact

The development in information technology results in a significant increase in bank competition. The question of whether increased competition improves bank profitability and risk reduction is important in many aspects. This paper analyzes the impact of competition on profitability and risk in the context of Vietnam using OLS estimator on data set of 37 Vietnamese commercial banks. The main results present that banks with a higher competition index tend to have higher profitability which is measured by ROE and NIM. In addition, our empirical results also show that banks tend to take on more risk when facing increased competition.

scholarly journals The Role of Information Technology in Customer Satisfaction at the Commercial Banks in the State of Kuwait and the Kingdom of Bahrain

2020 ◽  
pp. 47-54
Author(s):  
Fawaz Alhammad
Keyword(s):  
Information Technology ◽  
Customer Satisfaction ◽  
Commercial Banks ◽  
The State ◽  
Questionnaire Data ◽  
Spss Software ◽  
The State Of Kuwait ◽  
The Impact ◽  
Role Of Information

This research intended to identify the role of Information Technology (IT)in customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain. The study used the descriptive analytical approach and the questionnaire to measure the impact of IT on customer satisfaction. After distributing the questionnaire, data then were analyzed using SPSS software and we had the following results: There is no statistically significant impact for the availability of devices on customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain. It was also revealed that there a statistically significant impact for software, databases, human resources, and networks on customer satisfaction at the commercial banks in the State of Kuwait and the Kingdom of Bahrain.

scholarly journals The impact of Internet finance to commercial banks in China

2021 ◽  
Vol 6 (1) ◽  
pp. 29
Author(s):  
Meng Wu
Keyword(s):  
Information Technology ◽  
Business Model ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Rapid Development ◽  
Network Technology ◽  
Customer Data ◽  
Internet Finance ◽  
The Impact ◽  
Industry Experience

In recent years, network technology, information technology and data processing technology have become the basis of the competition of Internet financial institutions. With the rapid development of the electronic platform, the accumulation of massive customer data information, Internet finance has a more and broader range of customer resources than that of a single bank. These advantages of Internet finance will have a significant impact on commercial banks. The traditional banks have a mature business model and rich industry experience in finance. Internet finance and traditional commercial banks interact with each other. In this case, this paper will focus on the influence of Internet finance on traditional commercial banks in China.

scholarly journals Profitability Paradox: Evidence from Commercial Banks in Pakistan

2019 ◽  
Vol 5 (2) ◽  
pp. 77
Author(s):  
Aatir Hamid ◽  
Bilal Mehmood ◽  
Nisar Ahmad
Keyword(s):  
Information Technology ◽  
Empirical Evidence ◽  
Commercial Banks ◽  
Positive Influence ◽  
Empirical Literature ◽  
Return On Assets ◽  
Bank Profitability ◽  
Return On Equity ◽  
It Impacts ◽  
The Impact

It is generally believed that information technology (IT) impacts the organizational profitability positively however empirical evidence has remained inconclusive. This was first highlighted by Solow (1987), labelled as Solow’s paradox, and later labelled as profitability paradox by Beccalli (2007). The persistence of inconclusive empirical literature provides the impetus of this research to investigate the impact of different components of IT on banks profitability in Pakistan from 2009-2016 for a sample of 25 Pakistani commercial banks. Return on assets (ROA) and return on equity (ROE) have been used as indicators of bank profitability whereas two different components of IT, number of ATMs and investment in banks software have been employed as proxies of IT. Empirical results reveal that investment in bank software appears to have a positive influence on bank profitability, while the acquisition of ATMs seems to reduce the profitability of banks. It can be concluded that IT paradox is not necessarily a paradox of IT in totality and may be termed as IT component paradox.

Income Diversification and Bank Efficiency in Vietnam

2017 ◽  
pp. 52-67
Author(s):  
Sang Nguyen Minh
Keyword(s):  
Regression Model ◽  
Commercial Banks ◽  
Banking System ◽  
Operational Efficiency ◽  
Commercial Banking ◽  
Tobit Regression ◽  
Income Diversification ◽  
Positive Effects ◽  
Study Results ◽  
The Impact

This study uses the DEA (Data Envelopment Analysis) method to estimate the technical efficiency index of 34 Vietnamese commercial banks in the period 2007-2015, and then it analyzes the impact of income diversification on the operational efficiency of Vietnamese commercial banks through a censored regression model - the Tobit regression model. Research results indicate that income diversification has positive effects on the operational efficiency of Vietnamese commercial banks in the research period. Based on study results, in this research some recommendations forpolicy are given to enhance the operational efficiency of Vietnam’s commercial banking system.

A PROPOSED EVALUATION PLAN TO ASSESS THE IMPACT OF A YOUTH DEVELOPMENT PROGRAMME FACILITATED BY THE STATE INFORMATION TECHNOLOGY AGENCY (SITA) IN RURAL SOUTH AFRICA

2017 ◽  
Vol 14 (1) ◽  
pp. 174-181
Author(s):  
Maura Mbunyuza-deHeer Menlah
Keyword(s):  
Information Technology ◽  
Youth Development ◽  
Rural Areas ◽  
Secondary Data ◽  
The State ◽  
State Information ◽  
Evaluation Plan ◽  
Lessons Learnt ◽  
Slow Development ◽  
The Impact

This article reports on a proposed evaluation plan that has been developed to assess the work done by the State Information Technology Agency (SITA). The SITA programme was implemented in response to the South African government’s call to improve the lives of the populations in some rural areas through technology. The programme was meant to address slow development in  rural  areas  that  lack  technological  innovations  and  advances.  In  the proposed evaluation plan a review is made of secondary data, deciding how strategic priorities are to be determined, as well as analysis of the rural context environment. The researcher gives an account of how the evaluation strategies are to be piloted and rolled out thereafter. Lessons learnt are recorded and reported upon. A proposed evaluation plan will be developed, based on the lessons learnt in line with the objectives of the project.

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