Open AccessThe impact of service delivery technology on bank performance: Evidence in Vietnam
Author(s) -
Tran Thi Thuy Ngan Vo Vo Hoang Diem Trinh
Publication year - 2020
Publication title -
tạp chí khoa học và công nghệ
Language(s) - English
Resource type - Journals
ISSN - 1859-1531
DOI - 10.31130/jst-ud2020-132e
Subject(s) - business , mobile banking , proxy (statistics) , net interest margin , service delivery framework , vietnamese , return on equity , sample (material) , the internet , equity (law) , service (business) , marketing , finance , computer science , return on assets , stock exchange , linguistics , philosophy , chemistry , chromatography , machine learning , world wide web , political science , law
This study investigates the impact of service delivery technology on bank performance by using the sample data of 21 Vietnamese commercial banks over the period 2007-2019. The study uses return on equity (ROE) and net interest margin (NIM) as a dependent variable representing bank performance. A set of variables including mobile banking (MB), internet banking (IB), and implementation degree of ATMs functions as a proxy for service delivery technology.
The research results indicate that there is a significant positive impact of mobile banking (MB) and online banking (IB) on bank performance. In addition, this study has not found an impact on ATM implementation for bank performance.