Assessing the efficiency of pure-play internet banks in South Korea, Japan and China with data envelopment analysis

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dc.authoridhttps://orcid.org/0000-0002-2614-8199
dc.authoridhttps://orcid.org/0000-0001-5410-812X
dc.contributor.authorÖcal, Hüseyin
dc.contributor.authorBağcı, Erdem
dc.contributor.authorKamil, Anton Abdulbasah
dc.date.accessioned2025-06-11T23:37:58Z
dc.date.available2025-06-11T23:37:58Z
dc.date.issued2024
dc.departmentİktisadi İdari ve Sosyal Bilimler Fakültesi
dc.description.abstractThis study aims to provide empirical insight into the efficiency of major pure-play internet banks in South Korea, Japan and China (that is, KakaoBank, K Bank, Sony Bank, Jibun Bank and WeBank). We employed the data envelopment analysis model and adopted a profit-oriented approach to measuring the efficiency of the banks between 2017 and 2020. In addition, we ran fixed cross-section regression to measure the relationship between net profit and the input and output variables. We found that in 2017 Sony Bank was run efficiently, but KakaoBank, K Bank and Jibun Bank were run inefficiently. In 2018 WeBank and Sony Bank were efficient, and the efficiency scores of KakaoBank and Jibun Bank were close to 1, meaning they ran fairly efficiently; however, K Bank was run inefficiently. In 2019 KakaoBank, WeBank and Sony Bank were run efficiently, and Jibun Bank’s efficiency score was close to 1, meaning it was run fairly efficiently, but K Bank was run inefficiently. In 2020 KakaoBank and Sony Bank were run efficiently but K Bank was run inefficiently. In addition, Jibun Bank’s efficiency score decreased slightly compared with 2019. Fixed cross-section regression showed the strongest relationship between net profit and noninterest expense. However, the relationship between net profit and noninterest income is also strong. We recommend that banks prioritize managing noninterest expenses and income to achieve sustainable profits.
dc.identifier.doi10.21314/JOIS.2024.011
dc.identifier.endpage16
dc.identifier.issn2047-1238
dc.identifier.issn2047-1246
dc.identifier.issue3
dc.identifier.startpage1
dc.identifier.urihttps://hdl.handle.net/11363/9907
dc.identifier.volume13
dc.identifier.wos001379541700001
dc.identifier.wosqualityQ4
dc.indekslendigikaynakWeb of Science
dc.institutionauthorÖcal, Hüseyin
dc.institutionauthorKamil, Anton Abdulbasah
dc.institutionauthoridhttps://orcid.org/0000-0002-2614-8199
dc.institutionauthoridhttps://orcid.org/0000-0001-5410-812X
dc.language.isoen
dc.publisherINCISIVE MEDIA, HAYMARKET HOUSE, 28-29 HAYMARKET, LONDON SW1Y 4RX, ENGLAND
dc.relation.ispartofJOURNAL OF INVESTMENT STRATEGIES
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı
dc.rightsinfo:eu-repo/semantics/openAccess
dc.subjectdigital banks
dc.subjectweb-only banking
dc.subjectinternet-only banking
dc.subjectchallenger bank
dc.subjectdata envelopment analysis (DEA)
dc.subjectbanking efficiency
dc.titleAssessing the efficiency of pure-play internet banks in South Korea, Japan and China with data envelopment analysis
dc.typeArticle

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