Bilgi ve İletişim Teknolojileri Patentlerinin OECD Ülkelerinin Bankalarının Risk İndikatörlerine Etkileri ve Robotik İletişimin ve Akıllı Gözlüklerin Bankacılık Sektöründe Kullanımı ile İlgili Tartışma


The main objective of that research is to find out the influence of ICT patents on OECD banks’ risk indicators such as cost/income, return on assets, and return on equity between the period of 2005-2013. Other objectives are to research current applications of robotic technologies and smart glass usage in the banking sector; and to discuss probable applications of robotic applications and smart glass usage in banking operations. Panel quantile regression analysis was implemented to unearth the impact of ICT patents on cost/income ratios of OECD countries’ banks. In addition, Bayesian impulse response analysis was used to find the one standard deviation positive shock of OECD countries’ banks ICT patents on the risk indicators of OECD countries’ banks. Johansen panel cointegration analysis was implemented for the long term relationship between cost/income and ICT patents. Since no data were available for robotic applications and smart glasses usage in the banking sector, empirical analyses for robotic applications and smart glasses were not done. According to the panel quantile regression analysis result, ICT patents had a significant negative influence on OECD countries' banks cost/income ratio between 2005-2013. Bayesian impulse response analysis was implemented for return on assets, return on equity, cost/income ratio. The positive impact was found for return on asset, return on equity, and the negative effect was found for the cost/income ratio. ICT patents positive innovation impact has more influence on return on equity with respect to return on assets. Johansen panel cointegration test unearthed that there is a long-term relationship between ICT and cost/income ratios. It can be indicated that ICT patent production is useful for diminishing banks' costs. Moreover, robotic communication in banks can enhance the banking sector cost efficiency. Robotic communication with other banks and inside the bank can have an important influence on the development of the banking sector. Besides, it is possible that banks employees can use smart glasses. Smart glasses can be used for fraud detection, such as diagnosis of fake checks (Deloitte,2016). Currently, smart glass technology is immature; when the smart glass technology becomes mature, bank employees can use that technology.


Keywords


Banking Operations, ICT, Robotic Communication, Smart Glasses, Banks' Risk İndicators

Author : Hüseyin ÇETİN
Number of pages: 799-816
DOI: http://dx.doi.org/10.29228/TurkishStudies.42916
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Turkish Studies-Economics,Finance,Politics
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