Registro completo de metadatos
Campo DC | Valor |
---|---|
dc.contributor.author | Hernando, Ignacio |
dc.contributor.author | Nieto, María J. |
dc.coverage.spatial | España |
dc.date.accessioned | 2019-08-10T17:47:41Z |
dc.date.available | 2019-08-10T17:47:41Z |
dc.date.issued | 2006-09-19 |
dc.identifier.issn | ISSN: 0213-2710 (en papel) |
dc.identifier.issn | ISSN: 1579-8666 (en línea) |
dc.identifier.uri | https://repositorio.bde.es/handle/123456789/6879 |
dc.description.abstract | In spite of the conspicuous use of the Internet as a delivery channel, there is a relative dearth of empirical studies that provide a quantitative analysis of the impact of the Internet on banks´ financial performance. This paper attempts to fill this gap by identifying and estimating the impact of the adoption of a transactional web site on financial performance using a sample of 72 commercial banks operating in Spain over the period 1994-2002. The impact on banks´ performance of transactional web adoption takes time to appear. The adoption of the Internet as a delivery channel involves a gradual reduction in overhead expenses (particularly, staff, marketing and IT). This effect is statistically significant after one and a half years after adoption. The cost reduction translates into an improvement in banks´ profitability, which becomes significant after one and a half years in terms of ROA and after three years in terms of ROE. The paper also concludes that the Internet is being used as a complement to, rather than a substitute for, physical branches. [resumen de autor] |
dc.format.extent | 28 p. : il. |
dc.language.iso | en |
dc.publisher | Banco de España |
dc.relation.ispartof | Documentos de Trabajo / Banco de España, 0624 |
dc.rights | Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional (CC BY-NC-SA 4.0) |
dc.rights | In Copyright - Non Commercial Use Permitted |
dc.rights.uri | https://creativecommons.org/licenses/by-nc-sa/4.0/deed.es_ES |
dc.rights.uri | http://rightsstatements.org/vocab/InC-NC/1.0/ |
dc.subject | Commercial banks |
dc.subject | Internet banking |
dc.subject | Profitability |
dc.subject | Cost and income structure |
dc.title | Is the Internet delivery channel changing banks' performance? : the case of Spanish banks |
dc.type | Documento de trabajo |
dc.identifier.bdebib | 000188034 |
dc.identifier.bdepub | DTRA-200624-eng |
dc.subject.bde | Fintech |
dc.subject.bde | Internet |
dc.publisher.bde | Madrid : Banco de España, 2006 |
dc.subject.jel | G21 |
dc.subject.jel | O32 |
dc.subject.jel | O33 |