چکیده:
Development of e-banking has empirically modified the structure and characters of
banks’ performance, efficiency, risk and challenges which have also been articulately
recognized based on the international best practices. E-banking brazenly accelerates and
restructures financial transactions via enhancing technology and expanding the banking
services in comparison with conventional banking. Accordingly, online access to the
banks’ products, financial statements, payment services and even credit scoring has
considerably improved banks-customers relationships in the context of lending and
borrowing practice, deposit composition, investment opportunities, trade finance options
as well as account management diversification. The impact of recent e-banking
developments is statistically evaluated for Iran’s banking network via Dynamic Panel
Data approach. The findings highlight that the ratio of ATMs and Electronic Cards
transactions to banks' assets negatively-significantly influence the profitability due to
higher substitution ratio with the other payment instruments and maintenance cost. The
ratio of online branch transactions to the banks' assets negatively-insignificantly affects
the profitability owing to the rapid increase in the NPLs and loan/loss expenses which
has consequently shrunk Shared Revenues over the past 10 years. SWIFT-branches have
positively-significantly enhanced the banks internal-secured cash flow while
contemporaneously improves fund efficiency, banks’ services fees, and ultimately profit
margin.
خلاصه ماشینی:
Accordingly, online access to the banks’ products, financial statements, payment services and even credit scoring has considerably improved banks-customers relationships in the context of lending and borrowing practice, deposit composition, investment opportunities, trade finance options as well as account management diversification.
The E- banking is genuinely carried out by different sort of tools which have been constantly streamlining the institutional network among markets agents, customers and financial entities via developing the intelligent electronic devices such as computer, mobile phone and television-based platforms, Personal Digital Assistant (PDA), Automated Teller Machine (ATM), kiosk (Aladwani, 2001, Simpson, 2002), P.
Although the theoretical views are scarce rather than the empirical ones, the recent sporadic studies have evidently indicated that the E-banking which is also categorized based on service, information set, communication tool kits and transactional sources have altered the banks costs and revenue composition so the efficiency and profitability improve more significantly than conventional banking.
Given the fact that technology development has gently reduced the operational functional cost, the banking network has focused on the computerization and automation in the past three decades as electronic and online banking deliveries have fulfilled both customers and bankers' expectations in the context of services quality and relationship procedures (Lamb et al.
(View the image of this page) 7 Conclusions The recent electronic and communication technological development enhances banking business environment and augments banking services which has simultaneously led to an expansion in the virtual financial transactions in order to restructure banks/customers' relationships.