Approaches to evaluating the effectiveness of remote banking services

Iryna Yakivna Karcheva


Introduction. In order to build the bank's future it is important to ensure effective innovation of today banking, including - effective investment in technology development of remote banking services. However, the theoretical foundations and methodological approaches to evaluating the effectiveness of remote banking services have not found wide practical application and illumination.

The aim of the paper is to develop a scientific study of theoretical and methodological approaches to integrated assessment of efficiency of the implementation and use of remote banking services.

Method (methodology). To achieve this goal it has been useda set of general and specific research methods - dialectical, analytic, systematic analysis of economic and statistical methods, regression analysis, and others.

Results. Theoretical and methodological approaches to evaluation of the effectiveness of remote banking services, along with system performance, efficient - cost approach, a comparative analysis of distance and traditional customer service, an indicator of X- efficiency, transaction cost theory, the concept of using a single integrated indicator analyzes the relationship between " profit - risk " economic- mathematical methods of peer review. It has been proved the appropriateness of calculation of direct and indirect effects of remote banking. The assessment of the efficiency by calculating the transaction costs is carried out. It has been built a regression model for the performance of the Bank in 2013. The calculated values of transaction costs in the group showed that banks of the fourth group with a low level of electronic services have a much higher level transaction costs - 7.2 % of assets, compared with other groups of banks and the banking system as a whole (4.2%). It has been built a regression model which showed the presence of feedback between the level of administrative expenses and commission income (β = - 0,66). It confirmed the hypothesis that the increase in fee income in the implementation of remote service is accompanied  with lowering of administrative costs banks.

The research results can be applied by banks when assessing the effectiveness of innovation, including remote banking. The analysis of transaction costs and regression analysis will be useful for assessing the effectiveness and functioning of the banking system of Ukraine.

Conclusions. For objective evaluation of the efficiency and the use of remote banking services it is necessary to use different approaches, direct and indirect methods of assessment, and also to carry out a systematic analysis of the results. The use of economic and statistical methods of the theory of transaction costs is considered to be perspective. 


efficiency; bank; remote service; model; risk; transaction costs; integral index; regression analysis

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Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa

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