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Diferenciação Horizontal e Poder de Mercado: Os Efeitos do E-Banking sobre as Tarifas Bancárias

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  • Luiz Humberto Cavalcante Veiga

    (Câmara dos Deputados Federal)

Abstract

This paper provides empirical evidence on the impact of e-banking on competition in the banking sector, more specifically on banking fees. Using aggregate data on fee revenues, non-interest expenses, number of external ATMs, number of multiple and commercial banks, and the degree of concentration of the banking industry, results suggest that an increase in banking concentration raises banking fees, while an increase in the number of ATMs available lowers the fees charged to consumers.

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File URL: http://www.anpec.org.br/revista/vol7/vol7n2p365_393.pdf
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Bibliographic Info

Article provided by ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics] in its journal Economia.

Volume (Year): 7 (2006)
Issue (Month): 2 ()
Pages: 365-393

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Handle: RePEc:anp:econom:v:7:y:2006:i:2:p:365-393

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Related research

Keywords: E-Banking; Cointegração; Cidade Circular; Concorrência;

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References

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  1. Corvoisier, Sandrine & Gropp, Reint, 2002. "Bank concentration and retail interest rates," Journal of Banking & Finance, Elsevier, vol. 26(11), pages 2155-2189, November.
  2. Steven C. Salop, 1979. "Monopolistic Competition with Outside Goods," Bell Journal of Economics, The RAND Corporation, vol. 10(1), pages 141-156, Spring.
  3. Degryse, H.A., 1996. "On the interaction between vertical and horizontal product differentiation: An application to banking," Open Access publications from Tilburg University urn:nbn:nl:ui:12-72562, Tilburg University.
  4. Bresnahan, Timothy F., 1989. "Empirical studies of industries with market power," Handbook of Industrial Organization, in: R. Schmalensee & R. Willig (ed.), Handbook of Industrial Organization, edition 1, volume 2, chapter 17, pages 1011-1057 Elsevier.
  5. Robert DeYoung, 2001. "Learning-by-doing, scale efficiencies, and financial performance at Internet-only banks," Working Paper Series WP-01-06, Federal Reserve Bank of Chicago.
  6. Harry Leinonen, 2001. "Developments in retail payment systems," BIS Papers chapters, in: Bank for International Settlements (ed.), Electronic finance: a new perspective and challenges, volume 7, pages 61-68 Bank for International Settlements.
  7. Berger, Allen N & Hannan, Timothy H, 1989. "The Price-Concentration Relationship in Banking," The Review of Economics and Statistics, MIT Press, vol. 71(2), pages 291-99, May.
  8. Robert DeYoung, 2001. "Learning-by-doing, scale efficiencies, and financial performance at Internet-only banks," Proceedings 711, Federal Reserve Bank of Chicago.
  9. Engle, R. F. & Granger, C. W. J. (ed.), 1991. "Long-Run Economic Relationships: Readings in Cointegration," OUP Catalogue, Oxford University Press, number 9780198283393, September.
  10. Stijn Claessens & Thomas Glaessner & Daniela Klingebiel, 2002. "Electronic Finance: Reshaping the Financial Landscape Around the World," Journal of Financial Services Research, Springer, vol. 22(1), pages 29-61, August.
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Cited by:
  1. Claudio Ribeiro De Lucinda & Mariana Oliveira E Silv, 2014. "Switching Costs And The Extent Of Potential Competition In Brazilian Banking," Anais do XLI Encontro Nacional de Economia [Proceedings of the 41th Brazilian Economics Meeting] 139, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics].

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