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Payment scale economies from individual bank data

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  • Bolt, Wilko
  • Humphrey, David

Abstract

The European Commission and the European Central Bank seek to lower payment costs within the Single Euro Payments Area (SEPA). Payment scale and scope economies estimated using previously unavailable individual bank data for the Netherlands over 1997-2005 show that costs can be markedly reduced through cross-border consolidation of payment processing operations, furthering the goal of SEPA and benefiting payment users.

Suggested Citation

  • Bolt, Wilko & Humphrey, David, 2009. "Payment scale economies from individual bank data," Economics Letters, Elsevier, vol. 105(3), pages 293-295, December.
    • Handle: RePEc:eee:ecolet:v:105:y:2009:i:3:p:293-295
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    Citations

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    Cited by:

    1. Labye, Agnès, 2013. "Quel avenir pour la banque universelle? Une analyse empirique appliquée à la zone euro," L'Actualité Economique, Société Canadienne de Science Economique, vol. 89(1), pages 57-86, Mars.
    2. Wilko Bolt & Sujit Chakravorti, 2010. "Digitization of Retail Payment," DNB Working Papers 270, Netherlands Central Bank, Research Department.
    3. Humphrey, David B., 2010. "Retail payments: New contributions, empirical results, and unanswered questions," Journal of Banking & Finance, Elsevier, vol. 34(8), pages 1729-1737, August.

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