- Anadolu Üniversitesi Sosyal Bilimler Dergisi
- Vol: 17 Issue: 3
- The Effect of Information and Communication Technologies Penetration on Banking Intermediation Effic...
The Effect of Information and Communication Technologies Penetration on Banking Intermediation Efficiency: Panel Study
Authors : Assoc. Jülide Yalçinkaya Koyuncu, Rasim Yilmaz, Assoc. Selim Yildirim
Pages : 1-8
Doi:10.18037/ausbd.417264
View : 16 | Download : 5
Publication Date : 2017-09-15
Article Type : Research
Abstract :In this study, we analyze the impact of ICT penetration on banking intermediation efficiency, as measured by interest spreads and interest margins. We use unbalanced panel data to explore how ICT usage affects the efficiency of financial intermediation after controlling for other macroeconomic determinants of spreads and margins. Highly statistically significant negative correlations between three ICT penetration indicators and both interest spreads and interest margins are identified by using both univariate and multivariate time effect models. Our results suggest that ICT penetration enhance banking intermediation efficiency by reducing interest spreads and margins.Keywords : ICT Penetration, Banking Intermediation Efficiency, Interest Spreads