There is fierce global competition within the banking industry. Therefore, banks endeavor to
grow and strive to increase their market share. We analyzed the effect of developing …

A model of multimarket spatial competition is developed where small, single-market banks
compete with large, multimarket banks (LMBs) for retail loans and deposits. Consistent with …

Kenyan commercial banks have continued to use huge investments in technology based
innovations and training of manpower to handle new technologies. The relationship …

Empirical studies of price competition typically analyze the direct effects of market structure,
cost, and local demand on prices; this approach has been applied widely to studies of bank …

This paper provides a critical survey of the large and diffuse literature on credit cards, debit
cards and ATMs. We argue that because there are still many outstanding issues and …

We connect various streams of academic literature to analyze how alternative competition
and regulatory policies may affect the development of digital financial services, and …

It has been three years since we published A Guide to the ATM and Debit Card Industry.
Those three years represent a very dynamic time in the industry with a number of important …

This chapter discusses recent developments in the literature involving applications of
industrial organization methods to finance. We structure our discussion around a simple …

This paper reports a systematic examination of the determinants of deposit-related retail
banking fees using a set of survey data that is unusual for its size, specificity, and sampling …

This paper investigates depository institutions' decisions whether or not to impose
surcharges (direct usage fees) on nondepositors who use their ATMs. In addition to …