Macroeconomic Determinants Of Radical Innovations And Internet Banking In Europe
Current technological development has various implications for the bankingsector. Especially, the banks prefer internet banking to keep up their customers, reducetransaction costs, enhance their customers’ portfolio, and accelerate financial transactions.In this regard, this study aims at finding out the use of intensity of internet banking. Extensivetechnological innovation boosts internet banking. Banks use internet services as anaggressive business strategy to gain market share rather than for making profits. Theimportance of the innovation for the banking sector is that the competition forces banks to beinnovative in order to survive in the market. In the macroeconomic level, R&D expenditures,education expenditures, skilled human capital, level of the information and communicationinfrastructure and the accessing the internet by the individuals, patent protection laws, thelevel of the competition in national and international markets, the cost of inputs such asenergy or wages can affect the innovation.
Volume (Year): 2 (2008)
Issue (Month): 10 ()
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- Francesca Arnaboldi & Peter Claeys, 2008. "Internet Banking in Europe: a comparative analysis," IREA Working Papers 200811, University of Barcelona, Research Institute of Applied Economics, revised Sep 2008.
- Richard J. Sullivan, 2000. "How has the adoption of Internet banking affected performance and risk in banks?," Financial Industry Perspectives, Federal Reserve Bank of Kansas City, issue Dec, pages 1-16.
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