Impact of Information and Communication Technology (ICT) on Efficiency: Evidence from the Iranian Banking Industry
نویسندگان
چکیده
The main objectives of this paper are to measure the technical efficiency levels of Iranian banks and to investigate the degree of factors influence on the efficiency in these banks. Stochastic frontier analysis (SFA) methods are applied to bank-level data over 22 years (from 1995 to 2011). We find that publicly-owned banks obtain average technical efficiencies of 0.73, which is lower than privately-owned banks, which achieve average technical efficiencies of 0.83. Our empirical results indicate that components of ICT (Software Investment, IT services, except Hardware Investment) and ownership, bank size have a significant influence on technical efficiency levels. We also found that privately-owned banks due to type of governance structure have successful performance in effective use of ICT components, compared to publicly-owned banks.
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