UNRAVELING THE NEXUS BETWEEN DIGITAL BANKING TRANSACTIONS AND BANK PROFITABILITY: INSIGHTS FROM TURKEY'S DEPOSIT BANKS

• DOI: 10.55654/jfs.2024.9.16.14
• Publication Date: 2024-06-21T10:59:15Z
• Authors: Bekir Zengin
• Keywords: Net profit; Telephone banking; Profit model; Chinese financial system

This study estimates the relationship between digital banking transactions and bank net profit through regression analysis using data of deposit banks in Turkey 2011 2021. The from 11 Turkish are analyzed with least squares method (OLS) Stata package program. For this purpose, is estimated by constructing three models. In first model, online have a positive effect on profitability. number internet customers, Automated Teller Machine (ATM), Point Sale (POS) found to negative profit, but these coefficients not statistically significant. second mobile profit. ATM has significant while POS coefficient third last bank. numbers conclusion, both profits Turkey. Digital transaction, which combination transactions, also profits. Additionally, it been revealed that services contribute more than services.