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An Empirical Study Concerning The Use Of Internet Banking In Romania

Author

Listed:
  • Kovacs (Kiss) Marta

    (The Bucharest University of Economic Studies, Faculty of Cybernetics, Statistics and Economic Informatics, Romania,)

Abstract

As the trend of ICT (Information and Communication Technology) development is gaining larger influence over countries’ development and growth, Internet banking plays an important role in enhancing the growth of several developed and developing economies over the 21th century. Internet banking and other electronic payment systems are relatively new in Romania and is expected to result in a more efficient banking system. However, in this study we try to argue the fact that Internet banking is strategically important to the banking sectors in an emerging economy, such as Romania, by means of statistical-econometric methodology. For this I used statistical data from Eurostat and MSI for the period 2009-2013. I proposed two models to highlight the existence of a relationship between the variables. The results of the first model have pointed out the fact that the rise of number of Internet users leads to an increase of the number of Internet banking users. The results of the second model show how the indicators influence Internet Banking users and the number of transactions made by Internet Banking influences the value of transactions made by Internet Banking.

Suggested Citation

  • Kovacs (Kiss) Marta, 2015. "An Empirical Study Concerning The Use Of Internet Banking In Romania," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(1), pages 1314-1321, July.
    • Handle: RePEc:ora:journl:v:1:y:2015:i:1:p:1314-1321
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    File URL: http://anale.steconomiceuoradea.ro/volume/2015/n1/155.pdf
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    References listed on IDEAS

    as
    1. Florin Marian BUHOCIU & Florina VIRLANUTA & Liliana Mihaela MOGA, 2009. "The Role and Efficiency of Internet Banking in Romania," Economics and Applied Informatics, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, issue 1, pages 21-28.
    2. Saleh SALARI & Moslem SALAJEGHEH, 2011. "Analysis of Factors Affecting the Adoption of Internet Banking. Case Study:Customers of Mellat Bank in Isfahan City," Risk in Contemporary Economy, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, pages 304-310.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Internet users; Internet banking; regression models; Romania.;
    All these keywords.

    JEL classification:

    • C18 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Methodolical Issues: General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L86 - Industrial Organization - - Industry Studies: Services - - - Information and Internet Services; Computer Software

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