Article information
RESUMO
Apesar de ser inegável a transformação proporcionada pela Tecnologia da Informação (TI) para a sociedade, a compreensão dos seus efeitos ainda é objeto de estudo. Este artigo aborda o impacto das despesas com TI na eficiência do setor bancário no Brasil. A novidade deste trabalho é que ele utiliza uma segmentação do setor bancário de tal modo que uma das pressuposições da técnica empírica não é violada. A amostra conta com 37 bancos, os quais representam cerca de 70% dos ativos do Sistema Financeiro Nacional e que são agrupados em três categorias: Varejistas, Atacadistas e Especializados em Crédito. Por meio da técnica de análise envoltória de dados, os resultados mostram que a TI tem impacto distinto na eficiência dos segmentos bancários. Os resultados da pesquisa revelam que as despesas em TI parecem importar mais para a eficiência dos bancos varejistas do que para a eficiência dos bancos nos outros dois segmentos.
Palavras-chave:
Tecnologia da Informação
Eficiência
Bancos
Análise Envoltória de Dados
ABSTRACT
Although it is undeniable that information technology (IT) has deeply affected society, its effects are still under scrutiny. This article discusses the impact of IT expenses on the efficiency of the banking sector in Brazil. The novelty of this paper is that it encompasses a segmentation of the banking sector in order to assure that one of the assumptions of the empirical technique is not violated. The sample includes 37 banks that represent 70% of the National Financial System and that are convened into three categories: retailers, wholesalers and specialized in credit. Based on data envelopment analysis technique, the results show that IT expenses have distinct effects on the efficiency of the banking segments. The findings reveal that IT seems to be more influential in the retailing segment than it is in other studied segments.
Keywords:
Information Technology
Efficiency
Banks
Data Envelopment Analysis
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