Do more cards and terminals guarantee higher efficiency? The case of European Union banking

Kočišová, Kristína; Gavurová, Beata; Sopko, Jakub

doi:10.14254/2071-8330.2018/11-2/4

Cited by 3 publications

(3 citation statements)

References 29 publications

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“…Moreover, a mere increase in the number of devices like ATMs, cards, and PoS machines does not necessarily result in improved efficiency. They need to be supported by direct usage by customers, as measured by the transaction values and volumes processed under these channels [ 37 ]. This limited association between banks’ IT investments and performance indicates a ‘ profitability paradox ’ [ 8 ].…”

Section: Review Of Literaturementioning

confidence: 99%

Impact of digital payment adoption on Indian banking sector efficiency

Saroy

Jain

Awasthy

et al. 2023

J BANK FINANC TECHNOL

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Combining Data Envelopment Analysis and dynamic panel data methods, we find that adoption of digital payment technologies by Indian banks has helped enhance their cost efficiency. Instead of directly reducing the inputs used in intermediation, the gain in efficiency may be on account of cheaper availability of such inputs when banks go digital. These gains may stem from assimilation into the entire digital payments ecosystem, as opposed to piecemeal adoption of technology. We find both cost and technical efficiencies exhibiting persistence. Banks’ relative asset holdings in the industry, non-performing assets, cost of deposits and returns on advances and equity are other important variables that drive cost efficiency.

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Section: Review Of Literaturementioning

confidence: 99%

Impact of digital payment adoption on Indian banking sector efficiency

Saroy

Jain

Awasthy

et al. 2023

J BANK FINANC TECHNOL

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“…Those crimes for the financial organization have been increased gradually from year 1999 to 2003, little bit decreased in 2004, and then increased again from year 2005 (Narmada, Priyadarsini, 2016). Payment cards represent a contemporary tool of cashless payment systems (Kocisova, Gavurova and Sopko 2018), which are commonly used to cover expenses and realize cash withdrawals.…”

Section: Introductionmentioning

confidence: 99%

Security Aspects: Protection of People in Connection With the Use of Personal Identification Numbers

Korauš¹,

Dobrovič²,

Polák³

et al. 2019

JSSI

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User identifiers for financial transactions are widely used for personal identification numbers (PINs). PIN numbers are deposited at ATMs, card payments at POS terminals and electronic banking services. Bank card (ATM) credit card fraud has dramatically increased over the last decade. When analyzing the most common attacks and the reasons for successful frauds, it is clear that the main problem is PIN authentication, which itself does not produce any security features (except for the use of stars). This means that security is based solely on user behaviour. Research has focused on areas where personal protection and security is most failing, and that's where the user is carrying a PIN along with a credit card, whether he or she changed the PIN on the payment card, and whether the PIN does not specify the date or year of his birth.

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“…The purchasing power of the whole community was just over 1%. According to the surveys, the Slovak economy was regarded as an open economy in terms of foreign trade and trade in goods and services, closely linked to the euro area (Nemenyi and Oblath, 2012;Kocisova et al, 2018). Regarding the economic situation of the postcommunist countries that joined the EU, the introduction of the euro had more advantages than expected disadvantages.…”

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confidence: 99%

Changing in consumer loyalty as a reaction for EU integration in Slovakia

Korcsmáros¹

2019

MMI

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It has been 10 years since the introduction of the euro in Slovakia. Regarding the introduction of the single currency, we can highlight factors that have contributed to the economic recovery experienced in recent years. Besides the positive effects, the negative effect appeared as well. The basic goal of the research is to map the experience Slovakia had with the introduction of the euro, 10 years following the introduction of the single currency. In order to achieve the research objectives, we applied primary data collection to obtain information about the researched issue. An anonymous questionnaire survey was conducted among the respondents. Data collection among the residents was realized with the help of an agent, but also an online questionnaire was provided for the respondents in the time interval of 6-20th December 2018. Basic statistic indicators were used to verify our assumptions. The most informed about the role of the ECB and the EU common financial policy were the respondents of age group 26-40, while the respondents over 56 were more informed where the ECB is headquartered. These results can be explained by the fact that the younger generation developed resistance towards the political situation in the EU, they have less interest and show indifference. The proportion of respondents with a clear negative opinion has increased both among the respondents with full secondary school degree and those with college or university degree. The biggest disadvantage they experienced was the increasing price of products. We find it important to suggest that the active involvement of MEPs within a framework of an intensive information campaign is essential. The main objective would be to bring closer the EU economic policy to economically active people and make them less resistant and uninterested in the policy of the EU due to lack of information. We recommend highlighting positive facts regarding the introduction of the single currency not only in the field of international trade but also in everyday transactions on national and EU level. An information campaign is suggested to highlight the positive aspects. The original contribution and the main added value of the paper is the mapping of the consequence of the euro introduction in Slovakia. The example of Slovakia can be a starting point for the tasks to be completed by the neighbouring EU member countries e.g. Czech Republic, Hungary to enter the eurozone.

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Do more cards and terminals guarantee higher efficiency? The case of European Union banking

Cited by 3 publications

References 29 publications

Impact of digital payment adoption on Indian banking sector efficiency

Impact of digital payment adoption on Indian banking sector efficiency

Security Aspects: Protection of People in Connection With the Use of Personal Identification Numbers

Changing in consumer loyalty as a reaction for EU integration in Slovakia

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