文章基本信息

标题：Evaluation of Information Technology Impact on State-owned Commercial Banks' Efficiency: The Case of Bangladesh
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作者：BEGUM, Shakera ; BATEN, Md. Azizul ; ALI, Rahmat 等
期刊名称：The Journal of Business Economics and Environmental Studies
印刷版ISSN：2671-4981
电子版ISSN：2671-499X
出版年度：2022
卷号：11
期号：4
DOI：10.13106/ajbe.2022.vol12.no1.1
语种：English
出版社：Korea Distribution Science Association
摘要：This study measures the effect of Information Technology (IT) on both cost and profit efficiency of State-owned Commercial Banks (SOCBs) in Bangladesh. Research design, data and methodology: Yearly Non-IT and IT data are collected from the annual report of SOCBs of Bangladesh from 2008 to 2017. Variable Return to Scale (VRS) cost Data Envelopment Analysis (DEA) and Profit DEA are employed to measure the efficiency of SOCBs and Ordinary Least Square (OLS) is used to investigate the impacts of ICT components on operating cost and profit efficiency for SOCBs. Results: The average cost efficiency (74.4%) was noticed higher than the average profit efficiency (20.6%) for SOCBs. SOCBs were more affordable and less profitable for both cost and profit efficiency. Rupali bank was the most cost efficient while Sonali bank was the most profit efficient. IT Investment and IT personnel expenses were positively significant for cost efficiency. IT income, IT personnel, IT personnel expenses, ATM expenses, and Credit card expenses were negatively significant for profit efficiency. Conclusion: The further studies can combine DEA with machine learning algorithms to study the impact of IT on banks' performances. The results could aid government to remove the hindrance of progress in Bangladesh.
关键词：IT Efficiency in Bangladesh;Cost & Profit DEA;SOCBs