ALBANIAN BANKING EFFICIENCY ANALYSIS: A PRODUCTION DEA APPROACH -COMPARISION OF CRS AND VRS MODEL

Abstract For performance evaluation purposes of economic entity one should consider different aspects of its activity. In case of banks this objective is quite difficult since they offer a wide range of services and the activities performed are such complex. Researchers all over the world have adopted different approaches and techniques for bank evaluation from different point of view: from shareholder`s or regulators. From the literature review we cannot observe the most preferred approach implemented for this purpose. Last years the economic models , parametric and non-parametric approaches have gained much interest in the field. In this study we propose a non-parametric approach for bank evaluation known as Data Envelopment Analysis (DEA). Shortly, here in it is presented the DEA background and its development from the original work of Charnes

Developing E-Banking Platform In Contemporary World

Banks play a crucial role in promoting online businesses. Banks are trustworthy intermediaries in the online transactions and they provide a bold opening in the online business. Banks have e-payment systems like Internet banking, electronic fund transfers, plastic money (credit card & debit card) and mobile banking. These systems provide payment to online transactions. For the real working of these e-services, the need of e-banking platform development is an inevitable feature. This paper examines the efficient utilization of developing e-banking platform which have all the infrastructures for availing the same. For this reason we explore the impact of systems factors for E- banking platform development (scalability, interoperability, fast server response, user-friendliness ect.), Organizational factors for E- banking platform development (multistakeholders perspective, bank image and resource allocation)and Economic factors (operational efficiency, administration costs, innovation diffusion, financial information assistance). The change of economy from a traditional way to the recently demanded form needs a huge technological support and effort, better planning and efficiency in implementation thus pushing the banks to design various electronic money products