How the internet affects the financial performance of Greek banks

Giordani, Georgia; Floros, Christos

doi:10.1504/ijfsm.2013.056354

Cited by 7 publications

(4 citation statements)

References 15 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…The performance is measured by return on average assets (ROAA) and average equity (ROAE). Giordani and Floros (2013) study revealed a positive relationship between the adoption of internet banking services by Greek banks and the diminishing of their overall operating expenses. The study by Dinh, Le and Le (2015) revealed that internet banking had improved the profit outcome of commercial banks.…”

Section: Discussion Of Findingsmentioning

confidence: 90%

Motivation Behind E-Trust of Electronic banking Channels by Banks

Enamhe

Enukoha

Angioha

et al. 2022

ARRUS J. Eng. Tech.

View full text Add to dashboard Cite

This quantitative study attempts to validate the adoption of electronic banking channels by commercial banks for operational performance. The study was a survey that adopted a structured self-designed questionnaire to elicit data from management staff selected from commercial banks in Cross River states using proportional and simple random sampling techniques. Descriptive statistics and Pearson Product Moment correlation was used to analyse the collected data. Electronic banking channels were measured by automated teller machines and internet banking to analyse the data, and this was measured continuously. Analyse results validates the adoption of electronic banking channels (Automated teller machines and Internet banking). The study suggests factors that improve digital banking for bank profitability and operational performance based on these findings

show abstract

Section: Discussion Of Findingsmentioning

confidence: 90%

Motivation Behind E-Trust of Electronic banking Channels by Banks

Enamhe

Enukoha

Angioha

et al. 2022

ARRUS J. Eng. Tech.

View full text Add to dashboard Cite

show abstract

“…In the countries of the Euro area, Tunay et al, (2015) identified a significant correlation between internet banking and bank performance, and Dinh et al, (2015) concluded that internet banking had an effect on bank profitability. However, Giordani et al, (2013) discovered that the profitability of banks in terms of Return on Assets (ROA) and Return on Equity is unaffected by the use of the internet as a delivery channel for financial services (ROE). According to the study's findings, the adoption of internet banking has no effect on the ratio of net loans to assets, assets, and stocks to total assets.…”

Section: Financing and Organisational Performancementioning

confidence: 99%

Impact of Digital Financing on Organizational Performance: The COVID-19 Lockdown Experience

Neeka,

Sira,

Ikechukwu

et al. 2023

Glob Acad J Econ Buss

View full text Add to dashboard Cite

The relationship between digital financing and firm’s profitability, customer satisfaction or organizational performance has been a topical issue in the field of finance and management over time. Nevertheless, the new reality introduced by the Covid-19 lockdown experience globally, has introduce a renewed interest on the impact of digital finance on organizational performance. The fact that people’s movements were restricted, yet there was needed to survive, so businesses had to go on to supply people’s need, payments needed to be made for people to purchase their wants. All these challenges made it clearer that digital financing was a solution to unlimited business transactions. Previous studies have looked at the relationship as well as impacts of digital financing on mostly financial institution. This study therefore, went further to look at the organisations that consume these financial services. The study’s objectives were to find out the impact of digital financing on firms’ profitability; the impact of digital financing on firms’ revenue and the effect of digital financing on firms’ market share. The study used primary data (sourced through questionnaire), from 326 respondents (MSME owners and management staff) sampled from 4,796 MSMEs in Uyo senatorial district of Akwa Ibom state. The collected data were analysed descriptively using means and standard deviation, while the PPMC was used to test the stated hypotheses. The findings of the study show that there is a significant impact of digital financing on firms’ profitability; that digital financing has a significant impact on firms’ revenue; and that digital financing has a positive relationship but an insignificant effect on firm’s market share. Therefore, the study recommends that firms that are yet to adopt digital financing should avail themselves, in order to stand a chance in the competition of the new reality (technology). Firms that had already adopted digital financing should acquire more digital capability and train their staff on digital financing skills.

show abstract

“…Tunay et al, (2015) found a strong relationship between internet banking and performance of banks in the Euro area countries and Dinh et al, (2015) study revealed that internet banking had an impact on the profitability of banks. However, Giordani, et al, (2013) found that using the internet as a delivery channel of financial services has no effect on the profitability of banks in terms of Return on Assets (ROA) and Return on Equity (ROE). The study concluded that the adoption internet banking has not impact on net loans over assets, assets and equities over total assets.…”

Section: Literature Reviewmentioning

confidence: 99%

“…Most academic scholars analyze the effect of individual digital financial channels such as mobile banking (Too et al, 2016;Oyomo, 2018) and internet banking (Mateka & Omagwa, 2016;Kombe & Wafula, 2015;Tunay et al, 2015;Dinh et al, 2015) on bank performance. Additionally, most studies have used financial ratios such as Return on Assets (ROA) and Return on Equity (ROE), (Giordani, et al, 2013;Tunay & Tunay, 2015;Siddik et al, 2016;Giudice, et al, 2016, Wadesango & Magaya, 2020 as a measure of financial performance. Little academic attention has been paid on the impact of digital financial services on the performance of banks particularly in Kenya.…”

Section: Introductionmentioning

confidence: 99%

Digital Financial Innovation Services and Their Impact on the Performance of Commercial Banks in Kenya

Wachira

Kalui

Gathii

2021

EJEFR

View full text Add to dashboard Cite

The study aimed at investigating the impact of digital financial services on the financial performance of Commercial Banks in Kenya using secondary dataset generated from the Central Bank of Kenya (CBK) and the Communication Authority of Kenya (CAK) for a period of five years (2015-2019). To achieve this objective, the study used a multiple regression and Pearson correlations. The study using the Pearson correlations found negative correlations between mobile money (registered mobile money accounts, active mobile money agents and mobile money deposits and withdrawals), digital payments (P2P transfers) and performance of commercial banks. However, the study found positive and significant relationship between customer deposits, Gross non-performing loans and performance of commercial banks in Kenya. The study therefore concludes that digital financial services offered by Fintech companies have a negative impact on the performance of Commercial banks in Kenya and recommends that commercial banks should continuously develop more digital financial services and collaborate more with Fintech companies to improve on their performance. The originality of this study will be of benefit to managers of Commercial banks. JEL: G21, G23, N27, O30, O31, O39 Article visualizations:<img src="/-counters-/edu_01/0965/a.php" alt="Hit counter" />

show abstract

How the internet affects the financial performance of Greek banks

Cited by 7 publications

References 15 publications

Motivation Behind E-Trust of Electronic banking Channels by Banks

Motivation Behind E-Trust of Electronic banking Channels by Banks

Impact of Digital Financing on Organizational Performance: The COVID-19 Lockdown Experience

Digital Financial Innovation Services and Their Impact on the Performance of Commercial Banks in Kenya

Contact Info

Product

Resources

About