Does Internet banking substitute traditional banking? Empirical evidence from Italy
AbstractThe paper aims at examining the drivers of the adoption of the Internet banking, in order to understand its role with respect to the traditional banking activity and to offer a comprehensive picture of the diffusion of such a technology within the sector. In doing so, it analyses the role of firm-specific and non firm-specific (technology, market, environment) characteristics in influencing the decision to adopt the new technological platforms to perform on-line banking transactions within the retail segment of the financial sector in Italy. The main purpose of this paper is to investigate the relationship between the Internet banking and the traditional banking activity, in order to understand if these two systems of financial services delivery are perceived as substitutes or complements by the banks.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. 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.
Bibliographic InfoPaper provided by KITeS, Centre for Knowledge, Internationalization and Technology Studies, Universita' Bocconi, Milano, Italy in its series KITeS Working Papers with number 134.
Length: 32 pages
Date of creation: Jul 2002
Date of revision: Jul 2002
Contact details of provider:
Postal: via Sarfatti, 25 - 20136 Milano - Italy
Web page: http://www.kites.unibocconi.it/
Postal: E G E A - via R. Sarfatti, 25 - 20136 Milano -Italy
Find related papers by JEL classification:
- O3 - Economic Development, Technological Change, and Growth - - Technological Change; Research and Development; Intellectual Property Rights
- L0 - Industrial Organization - - General
- L86 - Industrial Organization - - Industry Studies: Services - - - Information and Internet Services; Computer Software
This paper has been announced in the following NEP Reports:
- NEP-ALL-2003-03-10 (All new papers)
- NEP-COM-2003-03-10 (Industrial Competition)
- NEP-FIN-2003-03-10 (Finance)
- NEP-NET-2003-03-10 (Network Economics)
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.:
- Mahler, Alwin & Rogers, Everett M., 1999. "The diffusion of interactive communication innovations and the critical mass: the adoption of telecommunications services by German banks," Telecommunications Policy, Elsevier, vol. 23(10-11), pages 719-740, November.
- Buzzacchi, Luigi & Colombo, Massimo G. & Mariotti, Sergio, 1995. "Technological regimes and innovation in services: the case of the Italian banking industry," Research Policy, Elsevier, vol. 24(1), pages 151-168, January.
- Hester,D.D. & Calcagnini,G. & Bonis,R. de, 1999. "Competition through innovation : ATMs in Italian banks," Working papers 27, Wisconsin Madison - Social Systems.
- Rui Baptista, 1999. "The Diffusion of Process Innovations: A Selective Review," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 6(1), pages 107-129.
- repec:rie:review:v:6:y:2001:i:3:n:2 is not listed on IDEAS
- Colombo, Massimo G & Mosconi, Rocco, 1995. "Complementarity and Cumulative Learning Effects in the Early Diffusion of Multiple Technologies," Journal of Industrial Economics, Wiley Blackwell, vol. 43(1), pages 13-48, March.
- Pennings, J.M. & Harianto, F., 1992. "The diffusion of technological innovation in the commercial banking industry," Open Access publications from Tilburg University urn:nbn:nl:ui:12-382782, Tilburg University.
- Hester Donald D. & Calcagnini Giorgio & De Bonis Riccardo, 2001. "Competition Through Innovation: ATMs in Italian Banks," Rivista italiana degli economisti, Società editrice il Mulino, issue 3, pages 359-382.
- Stoneman, Paul & Kwon, Myung-Joong, 1994. "The Diffusion of Multiple Process Technologies," Economic Journal, Royal Economic Society, vol. 104(423), pages 420-31, March.
- Kiefer, Nicholas M, 1988. "Economic Duration Data and Hazard Functions," Journal of Economic Literature, American Economic Association, vol. 26(2), pages 646-79, June.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Valerio Sterzi).
If references are entirely missing, you can add them using this form.