FRINK Linked Data Fragments server

Matches in SemOpenAlex for { <https://semopenalex.org/work/W195873914> ?p ?o ?g. }

• W195873914 startingPage "25" @default.
• W195873914 abstract "Internet banking has turned out to be the nucleus issue of various studies all over the world. In India, there has been a literature gap on the issue constantly. This paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Empirical analyses have been conducted from a panel data of 88 banks for the period 1998-2005 to see the differences between the profiles of Internet and non-Internet banks and the impact of Internet banking upon bank's performance. The univariate analysis indicates several significant differences in the profile of banks that offer Internet banking and banks that do not. Broadly speaking, Internet banks are larger banks but have lesser equity cushions as compared to non-Internet banks. Internet banks rely heavily on non-interest income and also on deposits for funding than non-Internet banks do. Internet banks have better accounting efficiency ratios and higher returns on equity and returns on assets than non-Internet banks. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association. Internet banking has gained worldwide acceptance as a new delivery channel for performing various banking transactions. It provides the opportunity to the customers to conduct banking transactions at their convenience. In fact, Internet banking refers to the use of Internet as a delivery channel for the banking services, including traditional services, such as opening an account or transferring funds among different accounts, as well as new banking services, such as electronic bill presentment and payment, which allow the customers to pay and receive the bills on a bank's website. There are two ways to offer Internet banking. First, an existing bank with physical offices can establish a website and offer Internet banking in addition to its traditional delivery channels. second, a bank may be established as a branchless, Internet-only, or virtual bank. Internet banking model offers advantages for both banks and customers. The Internet provides the banks with the ability to deliver products and services to customers at a cost that is lower than any existing mode of delivery. A survey conducted in US shows that of all the modes of transactions, Internet banking is the cheapest for the banks, as shown in Table 1. Customers benefit not only from the increased convenience but also from higher interest rates resulting from cost savings by the banks. The ability to pay higher interest rate with a much wider potential of customers, allows these banks to grow faster than traditional banks. Practically, the extent to which these banks distribute these benefits is not yet clear. It is therefore important for bankers, bank supervisors and policymakers to understand how Internet banking affects the performance of banks. Despite this attention, there is a richness of information on the nature and scope of Internet banking, but there is a scarcity of evidence about the impact of Internet banking activities among banks that have adopted it compared to those that have not done so. Our purpose is to fill significant gaps on this issue, especially with respect to the Indian banking markets, where no rigorous attempts have been undertaken to understand this aspect of the banking business. The evidence reveals no significant association between adoption of Internet banking by banks and their profitability. The influence of internet-activities of banks on their performance continues to be insignificant irrespective of what is used as performance variable following banking literature and industry norms for bank performance definitions. REVIEW OF EXISTING LITERATURE A very few attempts have been made to investigate the performance of banks that offer Internet banking. Table 2 summarizes the previous research done on the performance of Internet banks. …" @default.
• W195873914 created "2016-06-24" @default.
• W195873914 creator A5008772111 @default.
• W195873914 creator A5065331842 @default.
• W195873914 date "2006-10-01" @default.
• W195873914 modified "2023-09-23" @default.
• W195873914 title "The Impact of Internet Banking on Bank's Performance: The Indian Experience" @default.
• W195873914 hasPublicationYear "2006" @default.
• W195873914 type Work @default.
• W195873914 sameAs 195873914 @default.
• W195873914 citedByCount "16" @default.
• W195873914 countsByYear W1958739142012 @default.
• W195873914 countsByYear W1958739142013 @default.
• W195873914 countsByYear W1958739142014 @default.
• W195873914 countsByYear W1958739142017 @default.
• W195873914 countsByYear W1958739142018 @default.
• W195873914 crossrefType "journal-article" @default.
• W195873914 hasAuthorship W195873914A5008772111 @default.
• W195873914 hasAuthorship W195873914A5065331842 @default.
• W195873914 hasConcept C110875604 @default.
• W195873914 hasConcept C136764020 @default.
• W195873914 hasConcept C144133560 @default.
• W195873914 hasConcept C156152238 @default.
• W195873914 hasConcept C37703655 @default.
• W195873914 hasConcept C41008148 @default.
• W195873914 hasConcept C73283319 @default.
• W195873914 hasConcept C98899853 @default.
• W195873914 hasConceptScore W195873914C110875604 @default.
• W195873914 hasConceptScore W195873914C136764020 @default.
• W195873914 hasConceptScore W195873914C144133560 @default.
• W195873914 hasConceptScore W195873914C156152238 @default.
• W195873914 hasConceptScore W195873914C37703655 @default.
• W195873914 hasConceptScore W195873914C41008148 @default.
• W195873914 hasConceptScore W195873914C73283319 @default.
• W195873914 hasConceptScore W195873914C98899853 @default.
• W195873914 hasIssue "4" @default.
• W195873914 hasLocation W1958739141 @default.
• W195873914 hasOpenAccess W195873914 @default.
• W195873914 hasPrimaryLocation W1958739141 @default.
• W195873914 hasRelatedWork W1562417096 @default.
• W195873914 hasRelatedWork W1578127721 @default.
• W195873914 hasRelatedWork W1990191305 @default.
• W195873914 hasRelatedWork W2040826287 @default.
• W195873914 hasRelatedWork W2067396436 @default.
• W195873914 hasRelatedWork W2080055345 @default.
• W195873914 hasRelatedWork W2135288363 @default.
• W195873914 hasRelatedWork W2140639136 @default.
• W195873914 hasRelatedWork W2145437148 @default.
• W195873914 hasRelatedWork W2147223174 @default.
• W195873914 hasRelatedWork W2147498116 @default.
• W195873914 hasRelatedWork W2170835644 @default.
• W195873914 hasRelatedWork W2181373945 @default.
• W195873914 hasRelatedWork W2185746945 @default.
• W195873914 hasRelatedWork W2291241036 @default.
• W195873914 hasRelatedWork W3121944155 @default.
• W195873914 hasRelatedWork W3122398598 @default.
• W195873914 hasRelatedWork W76113380 @default.
• W195873914 hasRelatedWork W2603867325 @default.
• W195873914 hasRelatedWork W3033650265 @default.
• W195873914 hasVolume "13" @default.
• W195873914 isParatext "false" @default.
• W195873914 isRetracted "false" @default.
• W195873914 magId "195873914" @default.
• W195873914 workType "article" @default.