The Role of E-Banking Development on the Financial Progress of Banks (Case Study of Melli Bank in Iran)

Electronic banking is one of the gifts of the information technology world, according to which all financial, banking and credit activities are transferred from the traditional platform to the electronic platform. As a result, the use of electronic systems in the world's financial and credit institutions is rapidly expanding and the number of users of electronic banking services is increasing day by day. The use of this technology has led to the development of business, facilitating communication between economic agents, providing opportunities for enterprises to operate, improving productivity, reducing costs and saving time. Obviously, one of the indicators of the success of banks' investments in the field of information technology and electronic banking is the acceptance of these services by the customers of that bank and their actual use of them for their daily banking affairs. Therefore, research in the field of electronic banking and its impact on the performance and profitability of banks to gain a competitive advantage and survival in the competitive arena, is essential.

In this study, from the content analysis method using theoretical foundations and experimental studies, the appropriate model of Iranian economy was selected and then with the help of statistical analysis and econometric methods by expressing the relationships between variables related to the subject, the current situation Is identified. According to the studies based on S-C-P theory, the general shape of the model in this research was based on the research of Tony et al. (2015).

Diagnostic tests were performed for the research model, and the Chow test for detecting a composite or integrated data pattern showed that there is a hybrid data pattern in the model. Haussmann test also showed that all models have fixed effects. The results of estimating the model with fixed effects showed that the coefficient of determination and the Watson camera statistic indicate the confirmation of the model results. and the results indicate that the number of ATMs, IMC (Bank Market Focus Index), Bsize (size). Bank), the number of terminals of the bank branches (Pin Pad), the number of TOKEN devices and the number of POS devices had a positive and significant relationship with the profitability index as a representative of Bank Melli financial progress in Iran and the ATM variable had the highest impact and the Bsize variable has the least effect on the bank's profitability index,

Considering the impact of e-banking on the profitability of banks, it is suggested that e-banking platforms be developed rapidly, so that with the improvement of banks' financial performance, we will see more and more prosperity of economic specialties. It is important to note the amount of communication that the bank can establish with other service organizations (such as the municipality, the tax administration, the oil company, etc.). This leads to the monopoly of electronic services provided by the bank, which will lead to the development of electronic banking services and can be considered as one of the strategic advantages of the bank.