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政大機構典藏 > 社會科學學院 > 經濟學系 > 期刊論文 > Item 140.119/61061

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/61061

Title:	The Impact of Information Technology on the Banking Industry:Theory and Empirics
Authors:	Ho,Shirley J.;Mallick,Sushanta K.
Contributors:	政大經濟系
Keywords:	Studies;Operations research;Information technology;Banking industry;Impact analysis
Date:	2010-12
Issue Date:	2013-09-17 10:11:07 (UTC+8)
Abstract:	This paper develops and tests a model to examine the eﬀects of information technology (IT) in the US banking industry. It is believed that IT can improve bank’s performance in two ways: IT can reduce operational cost (cost eﬀect), and facilitate transactions among customers within the same network (network eﬀect). The empirical studies, however, have shown inconsistency on this hypothesis; some agree with the Solow Paradox, some are against. Since most empirical studies have adopted the production function approach, it is diﬃcult to identify which eﬀect has dominated, hence the reasons attributed have been the diﬀerence in econometric methodology and measurement. This paper attempts to explain the inconsistency by stressing the heterogeneity in banking services; in a diﬀerentiated model with network eﬀects, we characterize the conditions to identify these two eﬀects and the conditions for the two seemingly positive eﬀects to turn negative in the equilibrium. The results are tested on a panel of 68 US banks over 20 years, and we ﬁnd that the bank proﬁts decline due to adoption and diﬀusion of IT investment, reﬂecting negative network eﬀects in this industry.
Relation:	Journal of the Operational Research Society, 61(2), 211-221
Data Type:	article
DOI 連結:	http://dx.doi.org/10.1057/jors.2008.128
DOI:	10.1057/jors.2008.128
Appears in Collections:	[經濟學系] 期刊論文

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