Assessing the Impact of Banks’ High-Tech Investments on Efficiency: What Is the Actual Relationship Direction?

Q4 Business, Management and Accounting International Journal of Business and Management Science Pub Date : 2023-09-21 DOI:10.5539/ijbm.v18n6p13
Francesca Pampurini, Anna Grazia Quaranta
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Abstract

This paper analyses whether there is any relationship between the efficiency level achieved by Euro Area banking groups and their attitude toward high-tech investments proxied by high-tech patents. We measure banking efficiency via Data Envelopment Analysis (DEA). The period considered is the decade between 2012 and 2021. The results obtained show that there is a generally negative relationship between the two topics under investigation. The evidence obtained justifies the importance of an appropriate level of attention by regulators since increasing levels of technological innovation pursued through significant growth in intangible assets, could negatively affect the overall financial system efficiency.
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银行高科技投资对效率的影响评估:实际的关系方向是什么?
本文分析了欧元区银行集团的效率水平与其对以高新技术专利为代表的高新技术投资的态度之间是否存在关系。我们通过数据包络分析(DEA)来衡量银行效率。所考虑的时期是2012年至2021年之间的十年。得到的结果表明,在调查的两个主题之间普遍存在负相关关系。所获得的证据证明了监管机构适当关注的重要性,因为通过无形资产的显着增长追求的技术创新水平的提高可能会对整个金融体系的效率产生负面影响。
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International Journal of Business and Management Science
International Journal of Business and Management Science Business, Management and Accounting-Business and International Management
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期刊介绍: The International Journal of Business and Management Science (IJBMS) (Print: ISSN 1837-6614; Online: 1985-692X) is a double-blind peer-reviewed semiannual journal. Generally the journal publishes the articles that expand knowledge on business and management issues. Business Complexity and Performance Management were the two of the top ten problems IJBMS cover pageof 20th century management. In the 21st century, overcoming such problems seem to be challenging to educators and practitioners. Do educators and practitioners agree on which management skills are required for success in the 21st century? These all issues call for substantial research to achieve a very modern sustainable business era of the global economy. IJBMS intends to focus on the business and management issues with the vision of sustainable competitiveness along with scientific evidences. The quantitative approach for analyzing a research problem is promoted by IJBMS.
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