Distribution of Deposit Intermediation: Do Investments in Technology and Intellectual Capital Matter?

• 영문명: Distribution of Deposit Intermediation: Do Investments in Technology and Intellectual Capital Matter?
• 발행기관: 한국유통과학회
• 저자명: Thich Van NGUYEN Chi Huu LU
• 간행물 정보: 『유통과학연구(JDS)』제21권 제4호, 69~80쪽, 전체 12쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2023.04.30

영문 초록

Purpose: In the landscape of global challenges, the adoption of new technologies and the implementation of intellectual capital are seen as the main vehicles to enhance banking operations. Inspired by this issue, our study is to discover the effect of technological investments and intellectual capital on one of the most important dimensions of banking operations, namely deposit intermediation. Research design, data and methodology: To tackle this concern, we utilize the data of 12 banks from 2011 to 2020 in Vietnam, and perform the multivariate regression analysis as well as provide different robustness tests. Results: Our empirical analysis demonstrates that a surge in technological expenditures would foster distribution of deposit intermediation of banks. Also, the blend of technology spending and intellectual capital plays a key role in boosting this function of banks. Conclusions: The study would bring one of new evidence for bank managers and national authorities in Vietnam, where has undergone the completely reform period in banking system. Accordingly, technological innovation and intellectual capital should be taken into consideration when managers and regulators build business strategies and related policies. The findings are also useful for nations bearing a close resemblance to Vietnamese financial system.

목차

1. Introduction

2. Relevant Literature

3. Data, Variables and Methodology

4. The Relationship Between Technological Spending and Deposit Intermediation

5. The Role of Integrating Technological spending with Intellectual Capital

6. Conclusions and Implications

References

키워드

Technology Development Intellectual Capital Distribution Deposit Intermediation Banking Business Strategy