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Online banking services and branch networks


  • Amanda Carmignani

    (Bank of Italy)

  • Marco Manile

    (Bank of Italy)

  • Andrea Orame

    (Bank of Italy)

  • Marcello Pagnini

    (Bank of Italy)


Notwithstanding internet banking is now widely used by retail customers, little is known about its effect on the banking industry. In this paper we study how internet banking relates to branching policies in Italian local credit markets. Focusing on the period 2012-2015, we show that branch closures were more intense for those local markets and banks where the diffusion of digital banking services was higher.

Suggested Citation

  • Amanda Carmignani & Marco Manile & Andrea Orame & Marcello Pagnini, 2020. "Online banking services and branch networks," Questioni di Economia e Finanza (Occasional Papers) 543, Bank of Italy, Economic Research and International Relations Area.
  • Handle: RePEc:bdi:opques:qef_543_20

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    Cited by:

    1. Davide Arnaudo & Silvia Del Prete & Cristina Demma & Marco Manile & Andrea Orame & Marcello Pagnini & Carlotta Rossi & Paola Rossi & Giovanni Soggia, 2022. "The Digital Trasformation in the Italian Banking Sector," Questioni di Economia e Finanza (Occasional Papers) 682, Bank of Italy, Economic Research and International Relations Area.
    2. Gambacorta, Leonardo & Frost, Jon & Gambacorta, Romina, 2020. "The Matthew effect and modern finance: on the nexus between wealth inequality, financial development and financial technology," CEPR Discussion Papers 15014, C.E.P.R. Discussion Papers.
    3. Laura Barbieri & Mariarosa Borroni & Andrea Lippi & Mariacristina Piva & Simone Rossi, 2021. "Determinants of Bank Branch Presence in Local Areas: A Comparison Between North and South of Italy," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 13(9), pages 1-15, August.
    4. Frost, Jon & Gambacorta, Leonardo & Gambacorta, Romina, 2022. "On the nexus between wealth inequality, financial development and financial technology," Journal of Economic Behavior & Organization, Elsevier, vol. 202(C), pages 429-451.

    More about this item


    online banking services; bank branch networks;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance

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