Clicks business of deposit-taking institutions: an efficiency analysis
Clicks business of deposit-taking institutions: an efficiency analysis
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存款机构点击业务：效率分析
DOI：
10.1108/jes-01-2017-0003
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发表时间：
2017
影响因子：
1.7
通讯作者：
Shahid Anjum
中科院分区：
文献类型：
--
作者：
Farkhanda Shamim;Nobuyoshi Yamori;Shahid Anjum
本文的目的是实证研究自动柜员机（ATM）对日本金融机构的绩效和范围经济的直接和间接影响。设计/方法/采用随机前沿方法估计了银行的成本和利润效率指数，并考察了银行的无效率得分与ATM机数量之间的关系。成本和节省资金，通过使用自动取款机，但也花费节省的资金雇用高技能的工作人员，以引进更好的产品组合，使银行观察范围经济。独创性/valueThe调查结果表明，虽然分行将仍然是一个至关重要的互动点的关系银行业务，但鉴于其高固定成本，将日常银行交易从分支转移到低成本的电子渠道，可以大大降低成本，提高金融机构的效率。
PurposeThe purpose of this paper is to empirically examine the direct and indirect effects of automated teller machines (ATMs) on the performance and scope economies of the Japanese financial institutions.Design/methodology/approachStochastic frontier approach is adopted to estimate banks’ cost and profit efficiency indices and to examine the relationship between inefficiency scores and the number of ATMs.FindingsThe study concludes that the banks not only minimize costs and save money by using ATMs, but also spend the saved funds on hiring highly skilled staff to introduce a better product mix which allows the banks to observe scope economies.Originality/valueThe findings suggest that although branches would remain a crucial interaction point for relationship banking, but given their high fixed cost, shifting routine banking transactions from the branch to low-cost electronic channels can significantly reduce costs and enhance efficiency of the financial institutions.