抄録
This study develops a Hybrid Systems DEA model to analyze the influence of automatic service on bank performance. There are two assumptions seldom used in prior banking studies that are introduced into the DEA model. The first assumes that automatic service inputs do not change proportionally with branch service inputs. The second assumes banks that employ different operating types have different frontier technologies. The inefficiency sourced from excess inputs in automatic and branch service is evaluated through the empirical model. Results show that the excess input in automatic service is the cause of lower efficiency in financial holding banks when compared to independent banks. On the other hand, increasing inputs in automatic services do not result in a negative impact on independent banks. The finding also indicates that the cross-learning initiatives between the two groups is effective in reducing the inefficiency caused from excess automatic service but ineffective for excess branch service.
