Dịch vụ ngân hàng điện tử và hiệu quả hoạt động của ngân hàng thương mại Việt Nam

Hồng Đinh Thị Thu; Tuấn Nguyễn Hữu; Lý Trần Thị Hải

doi:10.24311/jabes/2022.33.06.01

Authors

Đinh Thi Thu Hong Đại học Kinh tế Thành phố Hồ Chí Minh Author
Nguyen Huu Tuan Công ty Cổ phần Chứng khoán SSI Author
Tran Thi Hai Ly Đại học Kinh tế Thành phố Hồ Chí Minh Author

DOI:

https://doi.org/10.24311/jabes/2022.33.06.01

Keywords:

Online banking, E-banking, Commercial banks, Performance

Abstract

This paper examines the influence of e-banking growth on the performance of Vietnamese commercial banks. The number of ATMs, POS/EFTPOS/EDC machines, the number of payment cards, the balance of payment card accounts, and the value of card payments are employed to measure the e-banking services. Using fixed-effects ARDL (autoregressive distributive lag) estimator for a balanced panel dataset of 10 selected domestic joint-stock commercial banks in Vietnam in the period of Q1/2013–Q1/2021, the author find that e-banking services have significantly negative effects on commercial banks’ performance. These findings are surprising and seems contrary to common expectations.

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