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Abstract:
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The objectives of this research were 1) to measure the technical efficiency of commercial banks providing services in Thailand, 2) to study the impact of the application of artificial intelligence on the technical efficiency of commercial banks. It will determine the technical efficiency scores of 10 Thai commercial banks between 2014 and 2019. Data is analyzed using the Stochastic Frontier Approach (SFA) to estimate the Technical Efficiency (TE). The use of AI in providing services through applications affects the efficiency of banking TE techniques. In the study of Objective 2, Panel Fixed Effects regression Model and Panel Random Effects regression Model were used to estimate the effects of artificial intelligence variables. in applications that affect the efficiency of Thai commercial banks. The results of independent research can be summarized as follows.
Total assets of commercial banks Technical Efficiency Scores of Loans to Customers were in line with Net Income, Total Liabilities and Bank's Total Owner's Equity were inversely aligned with Net Income Technical Efficiency Scores. found that Kasikorn Bank and Siam Commercial Bank Bank of Ayudhya has the highest technical efficiency score in the 6-year period from 2014 to 2019, Bank of Ayudhya is the least. But most banks received more than 0.6 technical efficiency scores, which banks need to improve in various areas. for higher technical efficiency scores It was found that the number of applications for loans and the number of sales and marketing and applications resulted in high technical performance scores. The two investment-related factors, namely net investment of commercial banks and bank research and development (AI) expenditures, had high technical efficiency scores. The technical efficiency of commercial banks has increased significantly by almost 2 times. Therefore,
commercial banks today should turn their attention to investing in research and
development budgets.
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Keyword: Technical efficiency, Commercial Bank, Artificial Intelligence,Applications
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