Dịch vụ ngân hàng điện tử và hiệu quả hoạt động của ngân hàng thương mại Việt Nam
DOI:
https://doi.org/10.24311/jabes/2022.33.06.01Từ khóa:
Ngân hàng trực tuyến, Ngân hàng điện tử, Ngân hàng thương mại, Hiệu quả hoạt độngTóm tắt
Bài viết này phân tích ảnh hưởng của tăng trưởng dịch vụ ngân hàng điện tử đến hiệu quả hoạt động của các ngân hàng thương mại (NHTM) Việt Nam. Dữ liệu về số lượng máy thanh toán ATM và máy POS/EFTPOS/EDC, số lượng thẻ thanh toán, số dư tài khoản thẻ thanh toán và giá trị thanh toán qua thẻ được sử dụng để đo lường chỉ tiêu dịch vụ ngân hàng điện tử. Sử dụng kỹ thuật ước lượng mô hình phân phối trễ ARDL hiệu ứng cố định với dữ liệu bảng cân xứng của 10 NHTM cổ phần nội địa ở Việt Nam giai đoạn Quý 1/2013 đến Quý 1/2021, nhóm tác giả tìm thấy dịch vụ ngân hàng điện tử có mối quan hệ ngược chiều với hiệu quả hoạt động của các NHTM trong mẫu quan sát. Phát hiện này khá ngạc nhiên và dường như ngược lại với kỳ vọng thông thường.
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