<abstract xmlns="http://www.w3.org/1999/xhtml"><p>The main aim of this paper is to analyze the electronic banking services in Kosovo’s banking net profit during the period 2013 - 2017. The paper discusses the role that these services have played in the development of the banking industry, modernization of e-commerce, and economic growth. These services provide higher security, faster and easier access by reducing transaction costs, access to more distant markets, and access to many products and services. The main paper results have shown that E-banking services have the highest positive impact in banking net profit, while automated teller machine services have shown a slight positive impact. The highest positive correlation results have been seen in point-of-sale services, whereas automated teller machine services showed a negative correlation in banking net profit in Kosovo during the research period. The constant increase of demand for these services has enabled banks to increase their profits in the banking market of Kosovo. Therefore, the paper finds that commercial banks in Kosovo should increase their focus on the advancement and development of electronic banking services (particularly, E-Banking services which are very practical and can be easily used anywhere and anytime).</p></abstract>

The main aim of this paper is to analyze the electronic banking services in Kosovo’s banking net profit during the period 2013 - 2017. The paper discusses the role that these services have played in the development of the banking industry, modernization of e-commerce, and economic growth. These services provide higher security, faster and easier access by reducing transaction costs, access to more distant markets, and access to many products and services. The main paper results have shown that E-banking services have the highest positive impact in banking net profit, while automated teller machine services have shown a slight positive impact. The highest positive correlation results have been seen in point-of-sale services, whereas automated teller machine services showed a negative correlation in banking net profit in Kosovo during the research period. The constant increase of demand for these services has enabled banks to increase their profits in the banking market of Kosovo. Therefore, the paper finds that commercial banks in Kosovo should increase their focus on the advancement and development of electronic banking services (particularly, E-Banking services which are very practical and can be easily used anywhere and anytime).

Electronic Banking Services and Net Profit in Kosovo: Using Simple Linear Regression and the Correlation Method

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This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

The main aim of this paper is to analyze the electronic banking services in Kosovo’s banking net profit during the period 2013 - 2017. The paper discusses the...

Electronic Banking Services and Net Profit in Kosovo: Using Simple Linear Regression and the Correlation Method

Published Online: Apr 24, 2020

Page range: 150 - 168

DOI: https://doi.org/10.2478/seeur-2019-0025

Keywords
ATM, banking net profit, E-banking, Kosovo, POS

© 2019 Jeton Zogjani et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

Electronic Banking Services and Net Profit in Kosovo: Using Simple Linear Regression and the Correlation Method

Published Online: Apr 24, 2020

Page range: 150 - 168

DOI: https://doi.org/10.2478/seeur-2019-0025

KeywordsATM, banking net profit, E-banking, Kosovo, POS

© 2019 Jeton Zogjani et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.

Keywords
ATM, banking net profit, E-banking, Kosovo, POS