A study on relationship between electronic banking and liquidity management on Iranian banks

Abstract: E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

How to cite this paper

 Ghodrati, H & khah, M. (2014). A study on relationship between electronic banking and liquidity management on Iranian banks.Management Science Letters , 4(6), 1259-1270.

Refrences

Ali, S. S. (2013). State of Liquidity Management in Islamic Financial Institutions. Islamic Economic Studies, 21(1), 63-98.

Agbada, A.O., & Osuji, C.C. (2013). The efficacy of liquidity management and banking performance in Nigeria. International Review of Management and Business Research, 2(1), 223-233.

Ahmadian, A. (2013). The evaluation of Performance banking industry in Iran comparison years of 2010 and 2011. Institute for Monetary and Banking.

Bate M .A., & Kami A. A. (2010). Ebanking of economical prospects in Bangladesh. Journal of Internet Banking and Commerce, 15(2).

Bessis, J. (2011). Risk management in banking. John Wiley & Sons.

Bordeleau, E., & Graham, C. (2010). The impact of liquidity on bank profitability(No. 2010, 38). Bank of Canada Working Paper.

Darabi R., & Mowlaii, A. (2011). The effect of liquidity variables, inflation, preserve capital GDP on bank profitability. Journal of Financial Knowledge Exchange, 10, 139-182.

Divandari A., et al. (2011). A model for liquidity risk management of banks in times of crisis. Collection of twenty articles on Islamic Banking Conference, 133-158.

El Tiby, A. (2010). The nature of risk. Opinion: Risky Business, Dalam IBF,610.

Eghtesad Novin Bank Risk Study Team (2008). Asset liability management and liquidity risk in financial institutions & apos; Fra Sokhan publishing, 1th, Page 217.

Ghasemi Armaki, A., & Bahrol-olum, M. H. (2006). Risk management in Islamic banking. Proceedings of the Seventeenth Conference on Islamic Banking, 505-534.

Ghasemi, M. (2012). E-banking role in lowering the cost of banking services. Proceedings of the twenty-third Conference on Islamic banking, 63-64.

Gougerdchian A., & Mir Hashemi Naeini S. (2013). Evaluate and test the performance of Iranian banking system liquidity management. Journal of Civil Engineering, 3(11), 1-22.

Hemmati, A. N., & Ismail Nejad, M. (2011). Determined assets and liabilities management strategies based on the liquidity gap analysis. Proceedings of the Twenty-Second Conference on Islamic Banking, 117-131.

Hemmati, A., Ghasemi Ali Abadi, M., & Zakeri, M. (2012). Assessment of the effects of e-banking on the monetary base and the money multiplier. Proceedings of the Twenty-Third Conference on Islamic Banking.

Lucket, D.G. (1980). Approaches to Bank Liquidity Management. Economic Review, Federal Reserve of Kansas City.

Maleki, M., & Akbari P. (2010). Examines the role of e-banking in Iran. Journal of Banking and Economics, 112, 14-20.

Mihalcescu, C., Ciolacu, B., Pavel, F., & Titrade, C. (2008). Risk and innovation in e-banking. Romanian Economic and Business Review, 3(2), 86-91.

Mohsen R., & Qydarpour S. (2007). A Comparative Analysis of Iran & apos; s system of paying the ten principles of the International Committee of Payment and Settlement Systems. Proceedings of the Eighteenth Conference on Islamic Banking.

Munteanu, I. (2012). Bank liquidity and its determinants in Romania. Procedia Economics and Finance, 3, 993-998.

Malhotra, P., & Singh, B. (2009). The impact of internet banking on bank performance and risk: The Indian experience. Eurasian Journal of Business and Economics, 2(4), 43-62.

Mohamad, M. T., & Samsudin, M. L. How Islamic Banks of Malaysia Managing Liquidity? An Emphasis on Confronting Economic Cycles. 4(7), 253-263.

Mousavian, A., & Kavand M. (2010). Liquidity management in Islamic Banking. Knowledge Economy, 1, 35-63.

Pashaii fam, R. (2011). Evaluation of Basel rules in the banking system, with emphasis on risk assessment ordering on Islamic contracts. Proceedings of the Twenty-Third Conference on Islamic Banking.

Rostamian, F., & Haji Babaei, F. (2009). The measurement of bank liquidity risk by using the Value at Risk (Case Study: Saman bank). Journal of financial accounting and auditing, 175-198.

Saghafy, A., & Saif, V. (2005). Identification and measurement of financial ratios and fundamental economic variables affecting the health and stability of the banking system in Iran. Economic Journal, 17, 65-111.

Souri, D., & Vesal M. (2008). New methods of financing and liquidity management in banks. Proceedings of the Nineteenth Conference on Islamic Banking, 231-247.

Yang, J., Cheng, L., & Luo, X. (2009). A comparative study on e-banking services between China and USA. International Journal of Electronic Finance,3(3), 235-252.

Yeager, F. C., & Seitz, N. (1982). Financial Institution Management: text and cases. Reston, Virginia: Reston Publishing Company.