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DIGITAL TRANSFORMATION and PROFITABILITY RELATIONSHIP in DEVELOPING COUNTRIES: A RESEARCH in THE BANKING SECTOR

Yıl 2024, Cilt: 9 Sayı: 2, 135 - 144, 30.06.2024
https://doi.org/10.29106/fesa.1449043

Öz

The study aims to examine the relationship between digital transformation and the profitability of the banking sector. In this context, panel cointegration and panel causality analysis were applied on annual data covering the period 2010-2020 in 20 developing countries. Return on assets (ROA) ratio was used for bank profitability, and for digital transformation, the number of ATMs per 100,000 adults, the number of commercial bank branches per 100,000 adults, the number of credit cards per 1,000 adults and the number of debit cards per 1,000 adults were used. Co-integration analysis results show that the variables do not move together in the long run. Although panel causality analysis results vary at the country level, they provide evidence that digital transformation affects bank profitability. Considering the findings obtained in the study, it can be said that the dissemination of digital products and services in the banking sector of developing countries will contribute to the financial performance of banks

Kaynakça

  • CAO, T., COOK, W. D. ve KRISTAL, M. M. (2022). Has the Technological Investment Been Worth It? Assessing The Aggregate Efficiency of Non-Homogeneous Bank Holding Companies in The Digital Age. Technological Forecasting and Social Change, 178, 121576.
  • CHHAIDAR, A., ABDELHEDI, M. ve ABDELKAFI, I. (2023). The Effect of Financial Technology Investment Level On European Banks’ Profitability. Journal of the Knowledge Economy, 14(3), 2959-2981.
  • DANDAGO, K. I., FAROUK, B. K. U. ve USMAN, B. K. (2012). Impact of Investment in Information Technology on The Return on Assets of Selected Banks in Nigeria. International Journal of Arts and Commerce, 1(5), 235-244.
  • DEDEOĞLU, D. (2019). A’dan Z’ye Blockchain. İstanbul: Kodlab Yayın Dağıtım.
  • DORAN, N. M., BĂDÎRCEA, R. M. ve MANTA, A. G. (2022). Digitization And Financial Performance of Banking Sectors Facing COVID-19 Challenges in Central and Eastern European Countries. Electronics, 11(21), 3483.
  • ERGÜN, T. (2023). Dijitalleşme ile Bankacılık Kȃrlılığı Arasındaki Etkileşim: ARDL Sınır Testi Yaklaşımı. Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, (34), 206-227.
  • EMİRMAHMUTOĞLU, F. ve KÖSE, N. (2011). Testing for Granger Causality in Heterogeneous Mixed Panels. Economic Modelling, 28(3), 870-876.
  • KAR, M., NAZLIOĞLU, Ş., ve AĞIR, H. (2011). Financial Development and Economic Growth Nexus in the MENA Countries: Bootstrap Panel Granger Causality Analysis. Economic modelling, 28(1-2), 685-693.
  • KLIMENKO, A. (2023). Digital Transformation in Banking and Financial Services. https://maddevs.io/blog/digital-transformation-in-banking-and-financial-services/
  • KORKMAZGÖZ, Ç. ve EGE, İ. (2020). Finansal Teknolojilerin Türk Bankacılık Sektörünün Finansal Performansına Etkisi: Mobil Bankacılık Üzerine Uygulama. Mersin Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 3(2), 106-125.
  • KY, S. RUGEMINTWARI, C. ve SAUVIAT, A. (2019). Is Fintech Good for Bank Performance? The Case of Mobile Money in The East African Community. The Case of Mobile Money in the East African Community. https://hal.science/hal-02155077
  • LECKSON-LECKEY, G. T., OSEI, K. A., ve HARVEY, S. K. (2011). Investments in Information Technology (IT) and Bank Business Performance in Ghana. International Journal of Economics and Finance, 3(2), 133-142.
  • LIU, M. X. (2021). Stay competitive in the digital age: the future of banks. International Monetary Fund.
  • MAHBOUB, R. M. (2018). The Impact of Information and Communication Technology Investments on the Performance of Lebanese banks. European Research Studies, 21(4), 435-458.
  • MOTWANI, A. ve VORA, K. (2021). Impact of Digital Banking on Profitability of Public & Private Sector Banks In India. Turkish Online Journal of Qualitative Inquiry, 12(5).
  • NGUYEN, Q. T. T., HO, L. T. H., ve NGUYEN, D. T. (2023). Digitalization and Bank Profitability: Evidence From an Emerging Country. International Journal of Bank Marketing, 41(7), 1847-1871.
  • NURJANAH, S., SHALSHABILLA, V. ve DARI, A. T. W. W. (2023). Digital Transformation In The Banking Industry Challenges And Opportunities. International Journal of Accounting, Management and Economics, 1(01).
  • PESARAN, M. H. (2007). A Simple Panel Unit Root Test in The Presence of Cross‐Section Dependence. Journal of applied econometrics, 22(2), 265-312.
  • PESARAN, M. H. ve YAMAGATA, T. (2008). Testing Slope Homogeneity in Large Panels. Journal of Econometrics, 142(1), 50-93.
  • RAUF, S., QIANG, F. ve SAJID, K. U. (2014). Electronic BKCard Usage and Their Impact on Profitability of Pakistan Banking Sector: ROA, Model. European Journal of Business and Management, 6(4), 1-7.
  • SAYED, E., ve MANSOUR, K. (2023). Impact of Digital Transformation on Banks’ Profitability and Liquidity in Emerging Markets: Evidence from Egypt. IUP Journal of Bank Management, 22(1).
  • THEIRI, S., ve HADOUSSA, S. (2023). Digitization Effects on Banks’ Financial Performance: The Case of an African Country. Competitiveness Review: An International Business Journal, 34(1), 144-162.
  • TODA, H. Y. ve YAMAMOTO, T. (1995). Statistical Inference in Vector Autoregressions With Possbly Integrated Process. Journal of Econometrics, 66, 225-250.
  • TÜBİTAK BİLGEM. (t.y.). Dijital Dönüşüm Nedir?. Erişim Adresi: https://dijitalakademi.bilgem.tubitak.gov.tr/ dijital-donusum-nedir
  • ULUSOY, A. ve DEMİREL, S. (2022). Türk Bankacılık Sisteminde Dijitalleşme-Kârlılık Etkileşimi. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 40(1), 184-200
  • WESTERLUND, J. (2008). Panel Cointegration Tests of the Fisher Effect. Journal of Applied Econometrics, 23, 193–223.
  • ZU, J., GU, Y., LI, K., ve BONSU, O. A. M. (2019). Impacts of Financial Innovations on Financial Performance Evidence of Electronic Banking in Africa. Methodology, 3(7), 56-60.

GELİŞMEKTE OLAN ÜLKELERDE DİJİTAL DÖNÜŞÜM KARLILIK İLİŞKİSİ: BANKACILIK SEKTÖRÜNDE BİR ARAŞTIRMA

Yıl 2024, Cilt: 9 Sayı: 2, 135 - 144, 30.06.2024
https://doi.org/10.29106/fesa.1449043

Öz

Çalışmada dijital dönüşüm ile bankacılık sektörünün karlılığı arasındaki ilişkinin incelenmesi amaçlanmaktadır. Bu kapsamda gelişmekte olan 20 ülkede 2010-2020 dönemini içine alan yıllık veriler üzerinden panel eş bütünleşme ve panel nedensellik analizi uygulanmıştır. Banka karlılığı için aktif karlılığı (ROA) oranı, dijital dönüşüm için ise 100.000 yetişkin başına düşen ATM sayısı, 100.000 yetişkin başına düşen ticari banka şube sayısı, 1.000 yetişkin başına düşen kredi kartı sayısı ve 1.000 yetişkin başına düşen banka kartı sayısı kullanılmıştır. Eş bütünleşme analiz sonuçları değişkenlerin uzun dönemde birlikte hareket etmediğini göstermektedir. Panel nedensellik analiz sonuçları ise ülke düzeyinde farklılık göstermekle birlikte dijital dönüşümün banka karlılığını etkilediğine dair kanıtlar sunmaktadır. Çalışmada elde edilen bulgular göz önünde bulundurulduğunda, gelişmekte olan ülkelerin bankacılık sektöründe dijital ürün ve hizmetlerin yaygınlaştırılmasının bankaların finansal performansına katkı sağlayacağı söylenebilir.

Kaynakça

  • CAO, T., COOK, W. D. ve KRISTAL, M. M. (2022). Has the Technological Investment Been Worth It? Assessing The Aggregate Efficiency of Non-Homogeneous Bank Holding Companies in The Digital Age. Technological Forecasting and Social Change, 178, 121576.
  • CHHAIDAR, A., ABDELHEDI, M. ve ABDELKAFI, I. (2023). The Effect of Financial Technology Investment Level On European Banks’ Profitability. Journal of the Knowledge Economy, 14(3), 2959-2981.
  • DANDAGO, K. I., FAROUK, B. K. U. ve USMAN, B. K. (2012). Impact of Investment in Information Technology on The Return on Assets of Selected Banks in Nigeria. International Journal of Arts and Commerce, 1(5), 235-244.
  • DEDEOĞLU, D. (2019). A’dan Z’ye Blockchain. İstanbul: Kodlab Yayın Dağıtım.
  • DORAN, N. M., BĂDÎRCEA, R. M. ve MANTA, A. G. (2022). Digitization And Financial Performance of Banking Sectors Facing COVID-19 Challenges in Central and Eastern European Countries. Electronics, 11(21), 3483.
  • ERGÜN, T. (2023). Dijitalleşme ile Bankacılık Kȃrlılığı Arasındaki Etkileşim: ARDL Sınır Testi Yaklaşımı. Dicle Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, (34), 206-227.
  • EMİRMAHMUTOĞLU, F. ve KÖSE, N. (2011). Testing for Granger Causality in Heterogeneous Mixed Panels. Economic Modelling, 28(3), 870-876.
  • KAR, M., NAZLIOĞLU, Ş., ve AĞIR, H. (2011). Financial Development and Economic Growth Nexus in the MENA Countries: Bootstrap Panel Granger Causality Analysis. Economic modelling, 28(1-2), 685-693.
  • KLIMENKO, A. (2023). Digital Transformation in Banking and Financial Services. https://maddevs.io/blog/digital-transformation-in-banking-and-financial-services/
  • KORKMAZGÖZ, Ç. ve EGE, İ. (2020). Finansal Teknolojilerin Türk Bankacılık Sektörünün Finansal Performansına Etkisi: Mobil Bankacılık Üzerine Uygulama. Mersin Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 3(2), 106-125.
  • KY, S. RUGEMINTWARI, C. ve SAUVIAT, A. (2019). Is Fintech Good for Bank Performance? The Case of Mobile Money in The East African Community. The Case of Mobile Money in the East African Community. https://hal.science/hal-02155077
  • LECKSON-LECKEY, G. T., OSEI, K. A., ve HARVEY, S. K. (2011). Investments in Information Technology (IT) and Bank Business Performance in Ghana. International Journal of Economics and Finance, 3(2), 133-142.
  • LIU, M. X. (2021). Stay competitive in the digital age: the future of banks. International Monetary Fund.
  • MAHBOUB, R. M. (2018). The Impact of Information and Communication Technology Investments on the Performance of Lebanese banks. European Research Studies, 21(4), 435-458.
  • MOTWANI, A. ve VORA, K. (2021). Impact of Digital Banking on Profitability of Public & Private Sector Banks In India. Turkish Online Journal of Qualitative Inquiry, 12(5).
  • NGUYEN, Q. T. T., HO, L. T. H., ve NGUYEN, D. T. (2023). Digitalization and Bank Profitability: Evidence From an Emerging Country. International Journal of Bank Marketing, 41(7), 1847-1871.
  • NURJANAH, S., SHALSHABILLA, V. ve DARI, A. T. W. W. (2023). Digital Transformation In The Banking Industry Challenges And Opportunities. International Journal of Accounting, Management and Economics, 1(01).
  • PESARAN, M. H. (2007). A Simple Panel Unit Root Test in The Presence of Cross‐Section Dependence. Journal of applied econometrics, 22(2), 265-312.
  • PESARAN, M. H. ve YAMAGATA, T. (2008). Testing Slope Homogeneity in Large Panels. Journal of Econometrics, 142(1), 50-93.
  • RAUF, S., QIANG, F. ve SAJID, K. U. (2014). Electronic BKCard Usage and Their Impact on Profitability of Pakistan Banking Sector: ROA, Model. European Journal of Business and Management, 6(4), 1-7.
  • SAYED, E., ve MANSOUR, K. (2023). Impact of Digital Transformation on Banks’ Profitability and Liquidity in Emerging Markets: Evidence from Egypt. IUP Journal of Bank Management, 22(1).
  • THEIRI, S., ve HADOUSSA, S. (2023). Digitization Effects on Banks’ Financial Performance: The Case of an African Country. Competitiveness Review: An International Business Journal, 34(1), 144-162.
  • TODA, H. Y. ve YAMAMOTO, T. (1995). Statistical Inference in Vector Autoregressions With Possbly Integrated Process. Journal of Econometrics, 66, 225-250.
  • TÜBİTAK BİLGEM. (t.y.). Dijital Dönüşüm Nedir?. Erişim Adresi: https://dijitalakademi.bilgem.tubitak.gov.tr/ dijital-donusum-nedir
  • ULUSOY, A. ve DEMİREL, S. (2022). Türk Bankacılık Sisteminde Dijitalleşme-Kârlılık Etkileşimi. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 40(1), 184-200
  • WESTERLUND, J. (2008). Panel Cointegration Tests of the Fisher Effect. Journal of Applied Econometrics, 23, 193–223.
  • ZU, J., GU, Y., LI, K., ve BONSU, O. A. M. (2019). Impacts of Financial Innovations on Financial Performance Evidence of Electronic Banking in Africa. Methodology, 3(7), 56-60.
Toplam 27 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Uluslararası Finans, Bankacılık ve Sigortacılık (Diğer)
Bölüm Araştırma Makaleleri
Yazarlar

Arzu Özmerdivanlı 0000-0002-2120-3312

Erken Görünüm Tarihi 1 Temmuz 2024
Yayımlanma Tarihi 30 Haziran 2024
Gönderilme Tarihi 8 Mart 2024
Kabul Tarihi 24 Mayıs 2024
Yayımlandığı Sayı Yıl 2024 Cilt: 9 Sayı: 2

Kaynak Göster

APA Özmerdivanlı, A. (2024). GELİŞMEKTE OLAN ÜLKELERDE DİJİTAL DÖNÜŞÜM KARLILIK İLİŞKİSİ: BANKACILIK SEKTÖRÜNDE BİR ARAŞTIRMA. Finans Ekonomi Ve Sosyal Araştırmalar Dergisi, 9(2), 135-144. https://doi.org/10.29106/fesa.1449043