| dc.description.abstract | This study aims to investigate the influence of mobile banking
implementation on the financial performance of Vietnamese banks in a 10-year period,
from 2012 to 2021. Understanding the significant advantages that mobile banking
provides to banks theoretically, this paper's target is to present the actual results based
on the historical data of five banks: Sacombank, Vietinbank, Vietcombank, Eximbank,
and MB Bank. The figures used were obtained from the official websites of banks,
annual reports, and the World Bank Open Data. In order to confirm the appropriateness
of the data, the methodology employs three analyses: descriptive statistics,
multicollinearity test, and ordinary least squares regression. The independent variable
used in the empirical model is mobile banking, while the dependent one is banks’
performance - represented by the three financial indicators: return on equity, return on
assets, and net interest margin ratio. The final outcome from the regression shows mixed
associations between the variables: positive with ROE and ROA in the first and third
year, whereas negative in the second year. On the other hand, the result is consistently
contradictory throughout the first three years of m-banking application establishment
with NIM. The relationships between the explanatory and response variables share one
similar characteristic: insignificance. | en_US |
