Investigating the Role of Electronic Devices in Banking Costs

Document Type : Research Article


1 Department of economic, Arak Branch, Islamic Azad University Arak, Iran

2 b Department of Economics, Shahid Beheshti University, Tehran, Iran


The purpose of this paper is to investigate the role of electronic payment and payment instruments on bank cost over the period 1999-2020 using the DSGE approach. In this study, considering the information of private and public banks in the country, the effect of using electronic banking and the spread of electronic tools on banking costs was investigated. The results of the shock from the electronic banking index in order to measure the effects of the expansion of the use of electronic payment and payment instruments on operating costs can be seen that non-governmental banks have significantly higher operating costs than state-owned banks. Is. On the other hand, it can be seen that the increase in bank operating income in non-state banks has been more than state-owned banks. The e-banking index in this study is based on the number of bank transactions compared to the number of ATM and pos. The results obtained from the shocks in the area of e-banking index indicate that e-banking indices have a significant effect on bank costs. The use of electronic tools leads to a greater reduction in operating costs of non-governmental banks than banks. Has been government. On the other hand, it can be seen that the increase in bank operating income in non-state banks has been more than state-owned banks.


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