TR
Avrasya Ekonometri �statistik ve Ampirik Ekonomi DergisiYl:2017 Say: 6 Alan: Pazarlama

K. Batu Tunay, lyas Akhisar
Avrupa Birliinde Internet Bankacl ve Banka Performans Arasndaki Uzun Dnem likiler
 
Bu almada internet bankacl ile banka karllk performans arasndaki uzun dnemli etkileimler aratrlmtr. Analizlerde Avrupa Birlii lkelerinin 2005-2014 dnemini kapsayan verileri kullanlm ve Pedroni ebtnleme testleri ardndan da hata dzeltme modeli tahminleri yaplmtr. Banka performans ltleri olarak ROA ve ROE oranlar dikkate alnmtr. Analizler btn rneklemle snrl tutulmam, Euro Area lkeleri ve bunun dndaki ye lkeler olarak iki alt rneklem de analiz edilmitir. Daha nceki benzer almalarn bulgular, Avrupa lkelerinde banka karll ve internet bankacl arasnda ksa dnemli etkileimler olduunu gstermitir. Bu almada ulalan bulgular ise, banka karll ve internet bankacl arasnda uzun dnemli ilikinin sadece Euro Alan dndaki AB yesi lkelerde mevcut olduunu gstermitir. Ekonomik ve finansal yaplar daha gelimi olan Euro Alanna dahil lkelerde internet bankacl piyasas belirli bir olgunlua ulatndan banka karllna uzun dnemli etkilerinin olmamas doal grlebilir. Buna karn Danimarka, ngiltere ve sve haricinde Euro Alan dndaki birlik yeleri iin internet bankacl piyasas gelime aamasndadr ve bu nedenle karllkla uzun dnemli bir denge ilikisi gzlenmesi artc deildir.

Anahtar Kelimeler: Internet bankacl, banka performans, panel ebtnleme testleri ve hata dzeltme


Long-term Relationship Between Internet Banking and Bank Performance in Europe
 
In this study, long-term interactions are investigated between internet banking and bank profitability performance. Pedroni cointegration tests and then estimations of the error correction model are made for the data from 2005 to 2014 for the European Union countries. ROA and ROE ratios are taken into account as a bank performance criteria. Analysis has not only been limited to the entire sample, but also the two sub-samples were analyzed as Euro Area countries and member countries outside it. The findings of previous similar studies have shown that short-term interaction between bank profitability and internet banking in Europe. The conclusion of this study is the relationship between long-term profitability of banks and internet banking have shown that only exist in EU countries outside the euro area. Lack of long-term impact on the profitability can be considered as reasonable for the Euro Area counries internet banking markete had reached a certain maturity because of advanced economical and financial structures. However, profitability on a long-term equilibrium relationship is not surprising in consequence of internet banking market is under development in the union members outside the euro area except for Denmark, Britain and Sweden.

Keywords: Internet banking, bank performance, panel cointegration tests, error correction


Detay

ÇERK