within and outside the banking sector. In our basic regression, we observe that ICT negatively impacts both types of bank … efficiency, with the effect varying depending on the type of bank. Notably, the coefficient of IBs is slightly higher than that … of CBs. Country governance (GC) moderates the negative effect of ICT on both types of bank efficiency. Additional …

allowing for environmental influences such as country macroeconomic conditions, accessibility of banking services and bank type …. While these factors are assumed to directly influence the shape of the technology, we assume that country dummies and bank … banking appears to be associated with higher input usage. Furthermore, by allowing for bank size and international differences …