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국내은행 인터넷 뱅킹의 효율성 격차 결정요인 분석에 관한 연구
김인기(In Kie Kim),이기송(Gi Song Lee) 한국경영학회 2002 經營學硏究 Vol.31 No.6
The inputs of the Internet banking applied to this model include the reletive input index of the capital budget(ratio of Internet banking investment to total IT budget). the relative transformation index of physical abilities(unmber of Internet banking servers/physical costs) and the relative transformation index of personnel base expansion(number of Internet banking personnel/personnel expenses), while the outputs selected for the study comprises customer-related output indices(number of usages per registered Internet banking customer and number of certificates issued per register Internet banking customer) and bank-related output indices(weight of Internet banking transactions in asset balance and weight of Internet banking transactions in number of businesses handled). The following results results have obtained by analyzing these inputs and outputs using the DEA model. To analyze the acuses of the inefficiency of production structures in terms of terms of inputs and outputs, the subjects of the study were classified into four categories: ① banks that introduced Internet banking earlier/banks that introduced Internet banking later: ② banks that made large investments in Internet banking/banks that made small investments in Internet banking: ③ banks thet made intensive investments in Internet banking/banks that made diversified in vestments in Internet; and ④ banks with good operating results/banks with poor operating results. This is to see whther the prior occupation effect(①), the effect of CEO`s investment strategies(② and ③) and the difference in the management results between banks can be the causes of the differences in efficiency. The results can be summarized as follows in terms of the customers` and banks` standpoint. In the case of category ①. the efficiency gaps between banks in terms of the input-output structure from the standpoint of custrmers and banks could be caused by the differences in the technical efficiency rather than the efficiency of scale stemming from the prior occuparion effect. This outcome suggests that a preemptive and continuous construction of sercvice systems is critical to the introduction and expansion of the Internet banking business. In the case of category ②, the efficiency gaps between banks in terms of the input-output from the customer`s point of view could be caused by the differences in the technical dfficiency rather than the efficiency of scale brought by the effect of CEO`s investment strategies. In the case of category ③, the efficiency gape between banks in terms of the input-output structure from the standpoint of banks culd be caused by the differences in the pure technical efficiency rather than the efficiency of scale attributable to CEO`s investment strategies. The findings of ② and ③ suggest that CEO`s strategies are more inportant than anything else in the promotion of the Internet banking in the banks and, in particular, efforts are needed for the efficiency coming from the CEO`s ivestment strategies to be realized evenly in terms of both customers and banks. In the case of category ④, it was concluded that, in promoting the Internet banking, the differences in operating results between banks could not be regarded as factors hacving influence over the efficiency of the Internet banking. Further, additional studies may be needed to determine whether these analysis results come from the division and independence of the off-line production structure and the Internet banking production structure or whether the results can be attribted to the measurement errors in applying the standards when classifying the banks into banks with good performance and banks with poor performance.
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