Research Paper Online Banking

Internet banking and other electronic banking services decrease average operational costs on banks tolerating physical overhead expenses (De Young, 2001). Determinants of Internet banking adoption by banks in India. Here is the great importance of the electronic infrastructure used by banks. ROA and ROE ratios were used as measures of bank performance.

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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.

It is showed that internet banking is more contribution to the performance of the bank when compared to traditional branch banking and improve competition in the sector. ROA, ROE, commission and fee income and stock returns are affected positively the internet banking activity (Hasan, 2002, was Ciciret et al., 2009).

There is a significant relationship between internet banking and operational risks.

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.

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.

Internet banking and other electronic based banking activities meet and exceed processes based on initial setup costs of other electronic banking is relatively short.

This is encouraging electronic banking activities in developing countries.


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