The Determinants of Pasargad Bank Liquidity with emphasizing on the role of Automated Teller Machines (ATMs) And Point of Sales (POSs)

Banks are financial institutions that collect assets from a variety of sources and then make them available to various sectors that need liquidity. Considering that in recent decades, the use of electronic banking in the banking system of Iran has been growing and on the other hand they can affect the liquidity of banks and since studies have shown that there can be a relationship between the development of electronic devices and liquidity variables, research has been conducted.The present study uses descriptive and causal methodology to analyze the issue and is applied in terms of purpose and based on regression analysis. The purpose of this study is to investigate the determinants of liquidity of Pasargad Bank with emphasis on the role of ATMs and sales terminals using the ARDL model, which has been analyzed under the statistical software, Eviews 10.The statistical sample includes all statistics and figures related to the financial performance of Pasargad Bank during a 13-year time series (from the beginning of 2007 till the end of 2019). The results show that the variable of the volume of transactions made by ATMs, the variable of non-current receivables ratio and the variable of return on assets, a positive and significant impact and the variable of inflation rate has had a significant negative effect onliquidity, however the effect of the variable of the volume of transactions made by POS and size of the bank are not statistically significant on liquidity.