This file is part of IDEAS, which uses RePEc data


[ Papers | Articles | Software | Books | Chapters | Authors | Institutions | JEL Classification | NEP reports | Search | New papers by email | Author registration | Rankings | Volunteers | FAQ | Blog | Help! ]

Cost structures and new technology: a case study of a bank in South Africa

Author info | Abstract | Publisher info | Download info | Related research | Statistics
Author Info
Charles C. Okeahalam
Abstract

There has been considerable development in the technology used to provide bank services. This has led to an increase in the number of channels which can be used to deliver bank services to retail clients. Accordingly, there is a need to assess the costs of using different technologies to provide services to retail bank clients. In this paper, detailed cost data are used to estimate two stochastic frontier models of the cost of providing retail services for clients who use the branch bank teller and those who use an information technology based approach. We remove the inefficiencies in the cost estimates of the two different technologies to enable forecasts of the cost consequences of shifts in technology to be based on production technique best practice. The findings suggest that benefits can be obtained by reducing inefficiency and by extending new technology more broadly to lower income retail clients.

Download Info
To download:

If you experience problems downloading a file, check if you have the proper application to view it first. Information about this may be contained in the File-Format links below. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL: http://inderscience.metapress.com/link.asp?target=contribution&id=BQ1D8UMYMKRNEQ8W
File Format: text/html
File Function:
Download Restriction: Access to full text is restricted to subscribers.

As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.

Publisher Info
Article provided by Inderscience Enterprises Ltd in its journal International Journal of Financial Services Management.

Volume (Year): 1 (2005)
Issue (Month): 1 (January)
Pages: 41-65
Download reference. The following formats are available: HTML (with abstract), plain text (with abstract), BibTeX, RIS (EndNote, RefMan, ProCite), ReDIF
Handle: RePEc:mes:ijfsmg:v:1:y:2005:i:1:p:41-65

Contact details of provider:
Web page: http://inderscience.metapress.com/link.asp?target=journal&id=119833

For technical questions regarding this item, or to correct its listing, contact: (Christopher F. Baum).

Related research
Keywords: banks; cost function estimates; efficiency; South Africa; financial services; cost structures; retail banking; new technologies; automated teller machines; ATMs; internet banking; electronic banking; branch bank tellers;

Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Charles C. Okeahalam, 2008. "Internationalisation and firm performance: Evidence from estimates of efficiency in banking in Namibia and Tanzania," Journal of International Development, John Wiley & Sons, Ltd., vol. 20(7), pages 942-964. [Downloadable!]
Statistics
Access and download statistics

Did you know? All full texts are decentralized with the publishers, none reside on this server, thus making it possible to offer this service for free to all parties.

This page was last updated on 2009-12-19.

This information is provided to you by IDEAS at the Department of Economics, College of Liberal Arts and Sciences, University of Connecticut using RePEc data on a server sponsored by the Society for Economic Dynamics.