ISSN: 2222-6990
Open access
In this paper we aim to evaluate the relationship between bank efficiency and electronic payment
systems in Iran. In this study we used the GMDH-neural network method as an instrument for
complicated non- linear trends especially with the limited observations. We employed the model in a bid
to delineate relationship between bank efficiency which was proxied by output of banks (net profitaverage of inter-banks transactions ratio) and electronic payment system including Automated Teller
Machines (ATM) - POS Terminals - Branch PIN Pads and we present two models for each type of banks
ownership and a model for all banks in Iran and compare them. The results show that despite the fact
that the payment systems are an easy access for everybody, they don’t have the same effects and some
of them have double effects on bank efficiency in different situations
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Copyright: © 2011 The Author(s)
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