Research Paper Online Banking

Research Paper Online Banking-65
Gutu (2014) even determined that banks position did not changed inspite of depositing on higher advertising budget for internet banking.This shows us that customers still demand the traditional branch-based banking services in these countries.ROA and ROE ratios were used as measures of bank performance.

Gutu (2014) even determined that banks position did not changed inspite of depositing on higher advertising budget for internet banking.This shows us that customers still demand the traditional branch-based banking services in these countries.ROA and ROE ratios were used as measures of bank performance.

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Internet banking is to make increase the asset quality of banks and affect directly ROA performance (Kagan et al., 2005). The impact of Internet banking on bank performance and risk: The Indian experience. Journal of Information Technology Case and Application Research, 4(3), 8-37.

On the other hand, there are also strong indirect effects on profitability through cost. Eurasian Journal of Business and Economics, 2(4), 43-62.

However, expected results have not been derived in some less developed and developing countries need both infrastructure investment has not been done enough and customers tendency to traditional branch-based banking in excessively.

In this study, the relations between internet banking and profitability performance of banks was investigated according to causality in 30 European countries.

Some of the research has done so far by Sullivan (2000), De Young (2001), Hasan (2002), Pigni et al. (2007), Arnaboldi & Claeys (2008), Malhotra & Singh (2006, 2007 ve 2009), Ciciretti et al. Except for Arnaboldi & Claeys'n (2008), all of the studies listed are related with a single country and its banking system of the country.

The Arnaboldi and Claeys compare conventional banking with internet banking in Finland, Spain, Italy and the UK practices. (2009) works based on Italy banking system gave similar results as Arnaboldi & Claeys (2008).In the application of this study, we used sectoral data because of that can not be accessed internet activity data in some countries.As the method of analysis, the panel causality tests are used. Literature Review Important part of various studies on the effects internet banking on the performance of banks consider the applications in developed and developing countries.In addition, internet banking reducing impaired loans of banks and risk of volatility of stock returns (Hassan, 2002).On the other hand, the banks are described as innovative bank, whose costs are below the industry average, which used internet banking and other electronic banking applications (Pigni et al., 2002).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.Empirical studies on various countries reveal that internet banking increases performance of the bank.Internet banking provides significant advantages to banks as well as customers' demand has played a very important role in spreading of internet.However, it is necessary to broaden the customer base in order to increase the performance of services which contribute to the bank (Sumra et al., 2011).Alam et al., (2007), Khrawish & Al-Sadi (2011), Hosein (2013) and Gutu 's (2014) studies showed that internet banking of high infrastructure costs in some developing countries, lack of sufficient number of customers adversely affect the profitability of banks.

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