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The seismic disturbance of Internet-Banking on Bank Profitability- The Case of turkey Assist. Prof. Dr. Ceylan Onay Bogazici University Hisar Campus, MIS Department, Bebek 34342, Istanbul earphone: 212 359 7289; autotype: 212 287 3297 E-mail: ceylano@boun.edu.tr Assist. Prof. Dr. Emre Ozsoz Fashion Institute of Technology, SUNY social Sciences Dept., 27th St. at 7th Ave, New York, NY Phone: (212) 217 4929; autotype: (212) 217 4641 Email: emre_ozsoz@fitnyc.edu Assist. Prof. Dr. Asl? Deniz Helvac?o?lu Bogazici University Hisar Campus, International Trade Department, Bebek 34342, Istanbul Phone: 212 359 4538; Fax: 212 287 3297 E-mail: asli.helvacioglu@boun.edu.tr The change magnitude adoption and sixth sense of Internet has recently redefined the playground for sell avows. The retail hopes are now offering their services majorly with their mesh branches. However, the effect of internet banking on bank execution mainly on the bank profitability has remained an unstudied issue. The objective of this paper is to examine the preserve of internet-banking on financial surgical procedure of Turkish banks undermentioned the approach of Hernando and Nieto (2007). Our analysis covers thirteen banks that attain adopted online banking in Turkey between 1996 and 2005.

By development bank particular proposition and macroeconomic control variables, we investigate the impact of internet banking on the return on assets(ROA) and equity( roe), the interest spread, operating expense expenses and on commission and stipend income controlling for systemic bank crises in the country during the timeframe. Our study includes time-lagged measur es of internet banking adoption to picture ! the changes in effect over time. Our results show that internet banking starts bring to banks ROE with a time lag of two old years confirming the findings of Hernando and Nieto while a negative impact is memorise for one year lagged dummy. For the intermediation spread and commission and tiptoe income our estimations fail to provide any significant...If you want to get a full essay, order it on our website: OrderEssay.net

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