The Impacts of Information Technology on the Operating Efficiency of Domestic Commercial Banks

• Main Authors: Lee,Shap-Pi, 李紹璧
• Other Authors: Jih,w.j.;Yu,Hichen.
• Format: Others
• Language: zh-TW
• Published: 1994
• Online Access: http://ndltd.ncl.edu.tw/handle/76468800234979192839

碩士 === 中原大學 === 企業管理研究所 === 82 === This study investigated the impacts of information techn- ology on the operating efficiency of domestic commercial ba- nks under the current market structure,based on the concept- ual framwork of the Structure─Conduct─Performance model as proposed by Scherer(1990).In this study,information technol- ogy variables included I.T.expenditure,I.T.expenditure ratio ,number of ATM,participation of SWIFT,computing level,and inter- bank networks.Three regression equations were establi- shed with Two Stage Least Squares(TSLS) for the dependent variables, including operating efficiency and user satisfact- ion associated with information technology as well as other predetermined variables such as ownership,branches,and busi- ness growth. The findings reveal that among the information technolog- ies studied,SWIFT contributed positively to the operating efficiency of banks;on the other hand,quantity of ATM and computing level contributed positively to the market share of deposit.Therefore,the adoption of information technology would influence the performance and market structure of ban- king firms.Contrary to our prediction,the expenditure ratio did not significantly contribute to the performance of banks .In summary,the paradigm of industrial organization:the Str- ucture ─Conduct─Performance model was partly supported in the banking firms.Besides,owning to the current entrance of new banks,the existing firms have significantly increased their investment in their information technology to prepare for the upcoming competition.There is no doubt that the fu- ture war games will be stronger and severer.