Complementarity of the impact of alternative service channels on bank performance

ICIS 2010 Proceedings - Thirty First International Conference on Information Systems

Volumn , Issue , 2010, Pages

  Banker, Rajiv ^a   Chen, Pei Yu ^a   Liu, Fang Chun ^a   Ou, Chin Shyh ^b  

^a TEMPLE UNIVERSITY   (United States)

^b NATIONAL CHUNG CHENG UNIVERSITY   (Taiwan)

Author keywords

Banking industry; Competitive advantage; IT investment; Service channels

Indexed keywords

BANKING INDUSTRY; COMPETITIVE ADVANTAGE; IT INVESTMENTS; PROFITABLE CUSTOMER; SERVICE CHANNELS; VALUE ADDED SERVICE;

COMPETITION; INFORMATION SYSTEMS; PROFITABILITY; SALES;

INVESTMENTS;

EID: 84870962786     PISSN: None     EISSN: None     Source Type: Conference Proceeding    
DOI: None     Document Type: Conference Paper

References (50)

1. Banker, R. D., Charnes, A., and Cooper, W. W. 1984. Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis, Management Science (30:9), pp. 1078-1092
2. Banker, R. D., and Kauffman, R. J. 1988. Strategic contributions of information technology: an empirical study of ATM networks, Proceedings of the Ninth International Conference on Information Systems, pp. 141-150.
3. Banker, R. D., and Natarajan, R. 2008. Evaluating Contextual Variables Affecting Productivity Using Data Envelopment Analysis, Operations Research (56:1), pp. 48-58.
4. Bauer, K., and Hein, S. E. 2006. The Effect of Heterogeneous Risk on the Early Adoption of Internet Banking Technologies, Journal of Banking & Finance (30:6), pp. 1713-1725.
5. Berger, A. N., and Humphrey, D. B. 1992. Measurement and Efficiency Issues in Commercial Banking, Output Measurement in the Service Sectors (56), pp. 245-279.
6. Berger, A. N., and Humphrey, D. B. 1997. Efficiency of Financial Institutions: International Survey and Directions for Future Research," European Journal of Operational Research (98:2), pp. 175-212.
7. Berger, A. N., and Mester, L. J. 1997. Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?, Journal of Banking & Finance (21:7), pp. 895-947.
8. Calisir, F., and Gumussory, C. A. 2008. Internet Banking versus Other Banking Channels: Young Consumers'View, International Journal of Information Management (28:3), pp. 215-221.
9. Cheng, T. C. E., Lam, D. Y. C., and Yeung, A. C. L. 2006. Adoption of Internet Banking: An Empirical Study in Hong Kong, Decision Support Systems (42:3), pp. 1558-1572.
10. Cooper, L. G., Klapper, D., and Inoue, A. 1996. Competitive-Component Analysis: A New Approach to Calibrating Asymmetric Market-Share Models, Journal of Marketing Research (33:2), pp. 224-238.
11. Corrocher, N. 2002. Does Internet Banking Substitute Traditional Banking? Empirical Evidence from Italy, in: CESPRI Working Papers, Centre for Research on Innovation and Internationalisation Processes, Universita' Bocconi, Milano, Italy.
12. Curran, J. M., and Meuter, M. L. 2005. Self-Service Technology Adoption: Comparing Three Technologies, Journal of Services Marketing (19:2), pp. 103-113.
13. DeYoung, R., Lang, W. W., and Nolle, D. L. 2007. How the Internet Affects Output and Performance at Community Banks, Journal of Banking & Finance (31:4), pp. 1033-1060.
14. Doran, H. E., and Griffiths, W. E. 1983. On the Relative Efficiency of Estimators Which Include the Initial Observations in the Estimation of Seemingly Unrelated Regressions with First-Order Autoregressive Disturbances, Journal of Econometrics (23:2), pp. 165-191.
15. Dos Santos, B. L., and Peffers, K. 1995. Rewards to Investors in Innovative Information Technology Applications: First Movers and Early Followers in ATMs, Organization Science (6:3), pp. 241-259.
16. Gopalakrishnan, S., Wischnevsky, J. D., and Damanpour, F. 2003. A Multilevel Analysis of Factors Influencing the Adoption of Internet Banking, IEEE Transactions on Engineering Management (50:4), pp. 413-426.
17. Green, W.H. 2002. Econometric Analysis, (Fifth ed.) Prentice-Hall, New Jersey.
18. Hannan, T. H., and McDowell, J. M. 1984. The Determinants of Technology Adoption: The Case of the Banking Firm, The RAND Journal of Economics (15:3), pp. 328-335.
19. Hannan, T. H., and McDowell, J. M. 1990. The Impact of Technology Adoption on Market Structure, The Review of Economics and Statistics (72:1), pp. 205-218.
20. Hanssens, D. M., Parsons, L. J., and Schultz, R. L. 2001. Response Models: Econometric and Time Series Analysis, (Second ed.) Kluwer Academic Publishers, Boston.
21. Heckman, J. 1979. Sample Selection Bias as a Specification Error, Econometrica (47), pp. 153-161.
22. Hernando, I., and Nieto, M. J. 2007. Is the Internet Delivery Channel Changing Banks'Performance? The Case of Spanish Banks, Journal of Banking & Finance (31:4), pp. 1083-1099.
23. Hirtle, B. 2007. The Impact of Network Size on Bank Branch Performance, Journal of Banking & Finance (31:12), pp. 3782-3805.
24. Hughes, J., and Kaplan, J. 2009. "Where IT Infrastructure and Business Strategy Meet, The McKinsey Quarterly.
25. Humphrey, D. B., and Pulley, L. B. 1997. Banks' Responses to Deregulation: Profits, Technology, and Efficiency, Journal of Money, Credit & Banking (29:1), pp. 73-93.
26. Ingham, H., and Thompson, S. 1993. "The Adoption of New Technology in Financial Services: The Case of Building Societies," Economics of Innovation and New Technology (2:4), pp. 263-274.
27. Karnani, A. 1985. "Strategic Implications of Market Share Attraction Models," Management Science (31:5), pp. 536-547.
28. Kauffman, R. J., and Kumar, A. 2008. "Understanding State and National Growth Co-movement: A Study of Shared ATM Networks in the United States," Electronic Commerce Research and Applications (7:1), pp. 21-43.
29. Kauffman, R. J., and Lally, L. 1994. "A Value Platform Analysis Perspective on Customer Access Information Technology," Decision Sciences (25:5-6), pp. 767-794.
30. Kauffman, R. J., and Weber, B. W. 2002. "Introduction to the Special Issue on Advances in Research on Information Technologies in the Financial Services Industry," Journal of Organizational Computing and Electronic Commerce (12:1), pp. 1-4.
31. Kmenta, J., and Gilbert, R. F. 1970. "Estimation of Seemingly Unrelated Regressions with Autoregressive Disturbances," Journal of the American Statistical Association (65:329), pp. 186-197.
32. Lee, J. 2002. "A Key to Marketing Financial Services: The Right Mix of Products, Services, Channels and Customers," Journal of Services Marketing (16:3), pp. 238-258.
33. Leightner, J. E., and Lovell, C. A. K. 1998. "The Impact of Financial Liberalization on the Performance of Thai Banks," Journal of Economics and Business (50:2), pp. 115-131.
34. Lichtenstein, S., and Williamson, K. 2006. "Understanding Consumer Adoption of Internet Banking: An Interpretive Study in the Australian Banking Context," Journal of Electronic Commerce Research (7:2), pp. 50-66.
35. Lin, J. C., Hu, J. L., and Sung, K. L. 2005. "The Effect of Electronic Banking on the Cost Efficiency of Commercial Banks: An Empirical Study," International Journal of Management (22:4), pp. 605-611.
36. Meuter, M. L., Bitner, M. J., Ostrom, A. L., and Brown, S. W. 2005. "Choosing among Alternative Service Delivery Modes: An Investigation of Customer Trial of Self-Service Technologies," Journal of Marketing (69:2), pp. 61-83.
37. Nakanishi, M., and Cooper, L. G. 1974. "Parameter Estimation for A Multiplicative Competitive Interaction Model: Least Squares Approach," Journal of Marketing Research (11:3), pp. 303-311.
38. Nakanishi, M., and Cooper, L. G. 1982. "Simplified Estimation Procedures for MCI Models," Marketing Science (1:3), pp. 314-322.
39. Park, K. H., and Weber, W. L. 2006. "A Note of Efficiency and Productivity Growth in the Korean Banking Industry, 1992-2002," Journal of Banking & Finance (30:8), pp. 2371-2386.
40. Park, K. H., and Weber, W. L. 2006. "Profitability of Korean Banks: Test of Market Structure versus Efficient Structure," Journal of Banking & Finance (58:3), pp. 222-239.
41. Park, R. E., and Mitchell, B. M. 1980. "Estimating the Autocorrelated Error Model with Trended Data," Journal of Econometrics (13:2), pp. 185-201.
42. Peffers, K., and Dos Santos, B. L. 1996. "Performance Effects of Innovative IT Applications over Time," IEEE Transactions on Engineering Management (43:4), pp. 381-392.
43. Prais, S. J., and Winsten, C. B. 1954. "Trend Estimators and Serial Correlation," Cowles Commission discussion paper.
44. Saloner, G., and Shepard, A. 1995. "Adoption of Technologies with Network Effects: An Empirical Examination of the Adoption of Automated Teller Machines," The RAND Journal of Economics (26:3), pp. 479-501.
45. Sturm, J. E., and Williams, B. 2004. "Foreign Bank Entry, Deregulation and Bank Efficiency: Lessons from the Australian Experience," Journal of Banking & Finance (28:7), pp. 1775-1799.
46. Suh, B., and Ham, I. 2002. "Effect of Trust on Customer Acceptance of Internet Banking," Electronic Commerce Research and Applications (1:3-4), pp. 247-263.
47. Tan, M., and Teo, T. S. H. 2000. "Factors influencing the adoption of Internet banking," Journal of Association for Information Systems (1:5), http://jais.isworld.org/articles/1-5.
48. Wooldridge, J. M. 2001. Econometric Analysis of Cross Section and Panel Data MIT Press, Boston, MA.
49. Xue, M., Hitt, L. M., and Chen, P. Y. 2010 "The Determinants and Outcomes of Internet Banking Adoption," Management Science (Forthcoming).
50. Yakhlef, A. 2001. "Does the Internet Compete with or Complement Bricks-and-Mortar Bank Branches?," International Journal of Retail & Distribution Management (29:6), pp. 272-282.