Erhan Atay () (Trakya University of Edirne, Turkey,)
Abstract
Current technological development has various implications for the bankingsector. Especially, the banks prefer internet banking to keep up their customers, reducetransaction costs, enhance their customers’ portfolio, and accelerate financial transactions.In this regard, this study aims at finding out the use of intensity of internet banking. Extensivetechnological innovation boosts internet banking. Banks use internet services as anaggressive business strategy to gain market share rather than for making profits. Theimportance of the innovation for the banking sector is that the competition forces banks to beinnovative in order to survive in the market. In the macroeconomic level, R&D expenditures,education expenditures, skilled human capital, level of the information and communicationinfrastructure and the accessing the internet by the individuals, patent protection laws, thelevel of the competition in national and international markets, the cost of inputs such asenergy or wages can affect the innovation.
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Find related papers by JEL classification: O31 - Economic Development, Technological Change, and Growth - - Technological Change - - - Innovation and Invention: Processes and Incentives O32 - Economic Development, Technological Change, and Growth - - Technological Change - - - Management of Technological Innovation and R&D O39 - Economic Development, Technological Change, and Growth - - Technological Change - - - Other
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