Abstract:

This paper aims to examine the relationship between profitableness of Turkish banking system and online banking, telephone banking and credit cards In this study, total net profit for the period in Turkish banking system considered as an independent variable by trimesters, and online banking, telephone banking and credit cards, tested to see whether they influence this profitableness, considered as dependent variables. Given data achieved from official sources between 2011-2014 and simple regression analysis be used in this study. The results of the regressions show that only credit card usage has a significant positive impact on ROA, ROE and NIM. The positive impact on ROA and ROE imply that credit card usage increases the profitability and thus the performance of banking system, but the positive impact on NIM shows that banks charge their customers more for their credit card usage. 

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