Abstract
Do more cards and terminals guarantee higher efficiency? The case of European Union banking
Highlights
Assessing the efficiency of banks and banking sectors is under constant interest, and that of supervisory authorities, and of banks’ clients (Chochoľáková et al, 2015; Naiwen et al, 2018)
The methodology defined above was used to investigate whether a wider network of ATMs and EFTPOS terminals and a higher number of issued payment cards were a guarantee of higher efficiency in the European Union (EU) banking sectors
This paper investigated whether the investment into the implemented technologies – issued payment cards, ATMs and EFTPOS terminals – influenced the efficiency of the banking sectors
Summary
Assessing the efficiency of banks and banking sectors is under constant interest, and that of supervisory authorities, and of banks’ clients (Chochoľáková et al, 2015; Naiwen et al, 2018). Most studies dealing with the issue of efficiency primarily concentrate on the impact of financial liberalization on banksefficiency (Badawi et al, 2017; Mikalauskiene et al, 2016; Andrieș, 2016; Nuhiu et al, 2017; Puriwat & Tripopsakul, 2017; Tregenna, 2009). One aspect of financial liberalization is a greater openness of the banking sectors and increasing availability of funds (Miklaszewska & Kil, 2016). One way to achieve higher availability of funds is implementation of new technologies. Clients demand more quality from payment services in terms of speed and reliability of the payment systems, something that results in higher requirements to technologies used by banks (Bhasin, 2016; Lazányi, 2017)
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