The impact of information technology on the banking industry / S. J. Ho in Journal of the operational research society (JORS), Vol. 61 N° 2 (Fevrier 2010)  

Public ISBD [article]  inJournal of the operational research society (JORS) > Vol. 61 N° 2 (Fevrier 2010) . - pp. 211–221 Titre : The impact of information technology on the banking industry Type de document : texte imprimé Auteurs : S. J. Ho, Auteur ; S. K. Mallick, Auteur Année de publication : 2011 Article en page(s) : pp. 211–221 Note générale : Recherche opérationnelle Langues : Anglais (eng) Mots-clés : Information technology Heterogenous competition Banking services Index. décimale : 001.424 Résumé : This paper analyses the effects of investment in information technologies (IT) in the banking sector using bank-level data from a panel of 68 US banks over the period 1986–2005. Although IT can improve bank's performance by reducing operational cost (supply side), it can bring in competition among banks in order to embrace new technology (demand side). Since most empirical studies have adopted the production function approach, it is difficult to identify which effect has dominated. In a differentiated model with network effects, this paper characterizes the conditions to identify these two effects. The results suggest that (at individual firm levels) the bank profits can decline due to adoption and diffusion of IT investment, reflecting negative network competition effects in this industry. Using panel cointegration tests, we confirm that the estimated profit equation is indeed a long-run equilibrium relation. DEWEY : 001.424 ISSN : 0160-5682 En ligne : http://www.palgrave-journals.com/jors/journal/v61/n2/abs/jors2008128a.html [article] The impact of information technology on the banking industry [texte imprimé] / S. J. Ho, Auteur ; S. K. Mallick, Auteur . - 2011 . - pp. 211–221. Recherche opérationnelle Langues : Anglais (eng) in Journal of the operational research society (JORS) > Vol. 61 N° 2 (Fevrier 2010) . - pp. 211–221 Mots-clés : Information technology Heterogenous competition Banking services Index. décimale : 001.424 Résumé : This paper analyses the effects of investment in information technologies (IT) in the banking sector using bank-level data from a panel of 68 US banks over the period 1986–2005. Although IT can improve bank's performance by reducing operational cost (supply side), it can bring in competition among banks in order to embrace new technology (demand side). Since most empirical studies have adopted the production function approach, it is difficult to identify which effect has dominated. In a differentiated model with network effects, this paper characterizes the conditions to identify these two effects. The results suggest that (at individual firm levels) the bank profits can decline due to adoption and diffusion of IT investment, reflecting negative network competition effects in this industry. Using panel cointegration tests, we confirm that the estimated profit equation is indeed a long-run equilibrium relation. DEWEY : 001.424 ISSN : 0160-5682 En ligne : http://www.palgrave-journals.com/jors/journal/v61/n2/abs/jors2008128a.html

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