Diferenciação Horizontal e Poder de Mercado: os Efeitos do E-BANKING Sobre as Tarifas Bancárias
This paper provides empirical evidence on the impact of e-banking on competition in the banking sector, more specifically on banking fees. Using aggregate data on fee revenues, non-interest expenses, number of external ATMs, number of multiple and commercial banks, and the degree of concentration of the banking industry, results suggest that an increase in banking concentration raises banking fees, while an increase in the number of ATMs available lowers the fees charged to consumers.
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|Date of creation:||2003|
|Contact details of provider:|| Postal: Secretaria da ANPEC Rua Prof Marcos Valdemar de Freitas Reis s/n Campus do Gragoatá Bloco F Niterói, RJ 24210-201 Brazil|
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|Order Information:|| Postal: Secretaria da ANPEC Rua Prof Marcos Valdemar de Freitas Reis s/n Campus do Gragoatá Bloco F Niterói, RJ 24210-201 Brazil|
References listed on IDEAS
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- Robert DeYoung, 2001. "Learning-by-doing, scale efficiencies, and financial performance at Internet-only banks," Proceedings 711, Federal Reserve Bank of Chicago.
- Harry Leinonen, 2001. "Developments in retail payment systems," BIS Papers chapters,in: Bank for International Settlements (ed.), Electronic finance: a new perspective and challenges, volume 7, pages 61-68 Bank for International Settlements. Full references (including those not matched with items on IDEAS)
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