TAILIEUCHUNG - Measuring the impacts of internet banking to bank performance: Evidence from Vietnam
The main objective of this study is to evaluate the impact of internet banking to performance (profitability ratios, noninterest operating expenses and incomes) of banks in Vietnam in the period from 2009-2014. The study uses random effect model (REM) and fixed effect model (FEM) to estimate the relationships between Internet indicators and bank’s performance. | Journal of Internet Banking and Commerce An open access Internet journal () Journal of Internet Banking and Commerce, August 2015, vol. 20, no. 2 Measuring the Impacts of Internet Banking to Bank Performance: Evidence from Vietnam VAN DINH Falcuty of Finance and Banking, VNUUniversity of Economics and Business, Hanoi, Vietnam, Tel: +84904641686 Email: vandtt@ UYEN LE Falcuty of Finance and Banking, VNUUniversity of Economics and Business, Hanoi, Vietnam PHUONG LE Falcuty of Finance and Banking, VNUUniversity of Economics and Business,Hanoi,Vietnam Abstract Internet banking is an innovative service in the banking industry. However, researching about the impact of internet banking to bank’s performance is rarely seen. In Vietnam, no research has been found recently by researchers. The main objective of this study is to evaluate the impact of internet banking to performance (profitability ratios, noninterest operating expenses and incomes) of JIBC August 2015, Vol. 20, -2- banks in Vietnam in the period from 2009-2014. The study uses random effect model (REM) and fixed effect model (FEM) to estimate the relationships between Internet indicators and bank’s performance. The results from the regression model showed that internet banking had an impact on bank profitability through an increase of income from service activities. However, the impact level was low and had a lag time of over 3 years, which is longer than findings from previous studies. Keywords: Internet banking; Commercial bank; Performance ratios; Service channel © VAN DINH, 2015 INTRODUCTION The competition is fierce in the economy and particularly in banking sector. Banks will fully exploit all factors available to help banks gain market share and retain customers, which become increasingly hard in the digital age. Consumer is shifting from tradition channels to digital ones and the multichannel model now is the popular trend in the banking industry. As
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