文档介绍：Financial Examining the Contribution of
Institutions Information Technology Toward
Center Productivity and Profitability
in . Retail Banking
by
Baba Prasad
Patrick T. Harker
97-09
THE WHARTON FINANCIAL INSTITUTIONS CENTER
The Wharton Financial Institutions Center provides a multi-disciplinary research approach to
the problems and opportunities facing the financial services industry in its search for
competitive excellence. The Center's research focuses on the issues related to managing risk
at the firm level as well as ways to improve productivity and performance.
The Center fosters the development of munity of faculty, visiting scholars and .
candidates whose research plement and support the mission of the Center. The
Center works closely with industry executives and practitioners to ensure that its research is
informed by the operating realities petitive demands facing industry participants as
they petitive excellence.
Copies of the working papers summarized here are available from the Center. If you would
like to learn more about the Center or e a member of our munity, please
let us know of your interest.
Anthony M. Santomero
Director
The Working Paper Series is made possible by a generous
grant from the Alfred P. Sloan Foundation
Examining the Contribution of Information Technology
Toward Productivity and Profitability in . Retail Banking 1
March 1997
Abstract: There has been much debate on whether or not the investment in Information
Technology (IT) provides improvements in productivity and business efficiency. Several
studies both at the industry-level and at the firm-level have contributed differing
understandings of this phenomenon. Of late, however, firm-level studies, primarily in the
manufacturing sector, have shown that there are significant positive contributions from IT
investments toward productivity. This study examines the effect of IT investment on both
productivity and profitability in the r