Title: The efficiency and impact of banking electronic services: evidence for Kosovo

Authors: Jeton Zogjani; Majlinda Mazelliu; Baton Humolli

Addresses: Department of Economics and Department of Business Administration, Faculty of Economics and School of Business, Law and Education, The University of Prishtina and Staffordshire University, 12 050, Prishtinë, Kosova ' Department of Business Administration, School of Business, Law and Education, Staffordshire University, 10000, Prishtinë, Kosova ' Faculty of Economics, Department of Economics, The University of Prishtina, 10000, Prishtinë, Kosova

Abstract: Since the beginning of 2000, the banking sector has been one of the most developed sectors in the Kosovo's economy. In the session of literature review, this paper will provide a brief background on the banking electronic services, their progress during last years in Kosovo and in other Balkan countries, as well as their impact in the whole banking sector. Appropriate methods for analysing the efficiency and impact of banking electronic services are presented in the methodology session. The results in data environment analysis have shown that the highest banking efficiency has been in 2013; it is a result of increased of the volume and the value of transactions in e-banking. Then, the results found through the ordinary least squares method have shown that e-banking and point of sale service have positive impact, but automated teller machine service has negative impact in banking net profit. Our conclusions are mainly based on the further improvement and development of electronic banking services.

Keywords: automated teller machine service; banking electronic services; banking net profit; data environment analysis; e-banking service; ordinary least squares method; point of sale service; scale efficiency; technical efficiency.

DOI: 10.1504/IJFIB.2018.092421

International Journal of Financial Innovation in Banking, 2018 Vol.2 No.1, pp.82 - 97

Received: 12 Apr 2017
Accepted: 14 Feb 2018
Published online: 18 Jun 2018 *