چکیده:
Development of E-banking has modified the structure of banking business and banking performance, efficiency, risk and challenges which have also been articulately recognized based on the international best practices. E-banking brazenly expedites and streamlines financial transactions via enhancing technology and expanding the bank services in comparison with conventional banking. Accordingly, online access to the banks’ products, financial statements, payment services and even credit scoring has considerably improved bank-customer 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 on banking is statistically tested for the banking network of Iran using Dynamic Panel Data approach. Results indicate that the ratio of ATMs and Electronic Cards to bank assets positively and significantly influence profitability ratios. Meanwhile, the ratio of online branches and Pin Pads to the banks' assets negatively and significantly affects profitability although the transaction volumes have surged for the banks under study.
خلاصه ماشینی:
"Challenges of risk management in E-banking Although E-banking enhances the banks’ financial and non-financial products and services to a more competitive business environment, it is also influenced by some new sets of challenges which are prominently marginalized in developing economies including digital gap, fraud and cyber-attacks, breaking into the accounts statements, and telecommunication shortcomings.
Four key E-banking indicators are applied in the banks' profitability regression model including the ratio of ATMs, pin pads, online branches, and bank electronic cards to total assets which are supplemented by the other macroeconomic explanatory variables such as output growth, foreign exchange rate and stock price index.
Description of Variables Definitions Variable Name Ratio of Banks’ Profit to Earning Assets PMAR Return on Assets Ratio Roa Ratio of Nonperforming Loans to Equity NPLE Total Loans to Total Deposits Ratio LTD Liquid Assets to Total Assets Ratio LATA Liquid Assets to Total Deposits Ratio LATD Ratio of Number of ATMs to Total Assets ATMA Ratio of Number PIN PAD to Total Assets PIPA Ratio of Number of Online Branches to Total Assets OBA Ratio of Number of Branch Cards to Total Assets BCA Ratio of Number of POS to Totsl Assets POSA Gross Domestic Produts Growth Rate GDP Stock Market Price Growth Rate ST Foreign Exchange Rate EXR: Note: Digits 1 and 2 added to some of the variables denote the first and second lag of the variables."