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Banks’ business models: a survey with a look to new regulation and future strategies

Author

Listed:
  • Stefano Cosma

    (Università di Modena e Reggio Emilia, Cefin)

  • Riccardo Ferretti

    (Università di Modena e Reggio Emilia, Cefin)

  • Elisabetta Gualandri

    (Università di Modena e Reggio Emilia, Cefin)

  • Andrea Landi

    (Università di Modena e Reggio Emilia, Cefin)

  • Valeria Venturelli

    (Università di Modena e Reggio Emilia, Cefin)

Abstract

Changing market conditions, new technologies, modifications in supervisory frameworks and low interest rates are casting doubt on the sustainability of banking business models. The article supplies a wide-ranging survey of the main empirical studies of the Banking Business Model, starting from a close examination of the definitions provided in the literature on strategic approaches. The correct perspective for Bm analysis can be obtained by combining the literature of Business Models with that on bank diversification, with the aim of providing a fuller representation of the banking business, incorporating schema capable of identifying and classifying the various Bms

Suggested Citation

  • Stefano Cosma & Riccardo Ferretti & Elisabetta Gualandri & Andrea Landi & Valeria Venturelli, 2016. "Banks’ business models: a survey with a look to new regulation and future strategies," BANCARIA, Bancaria Editrice, vol. 12, pages 2-23, December.
    • Handle: RePEc:ban:bancar:v:12:y:2016:m:december:p:2-23
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    File URL: http://www.bancaria.it/en/banks-business-models-a-survey-with-a-look-to-new-regulation-and-future-strategies/
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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