Working Paper Series Internet Banking: an Exploration in Technology Diffusion and Impact Internet Banking: an Exploration in Technology Diffusion and Impact *

نویسندگان

  • Richard Sullivan
  • Zhu Wang
چکیده

This paper studies the diffusion and impact of a cost-saving technological innovation — Internet banking. Our theory characterizes the process through which the innovation is adopted sequentially by large and small banks, and how the adoption affects bank size distribution. Applying the theory to an empirical study of Internet banking diffusion among banks across 50 U.S. states, we examine the technological, economic and institutional factors governing the process. The empirical findings allow us to disentangle the interrelationship between Internet banking adoption and change in average bank size, and explain the variation in diffusion rates across

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

منابع مشابه

Internet Banking: An Exploration in Technology Diffusion and Impact

This paper studies endogenous diffusion and impact of a cost-saving technological innovation – Internet Banking. When the innovation is initially introduced, large banks have an advantage to adopt it first and enjoy further growth of size. Over time, as the innovation diffuses into smaller banks, the aggregate bank size distribution increases stochastically towards a new steady state. Applying ...

متن کامل

Assessment of the Factors Affecting the Acceptance of Online Banking by Consumers with an Emphasis on the Aspect of Risk (Case Study: Customers of Refah Bank in Qazvin Province of Iran)

Nowadays, internet technology provides an opportunity for banks and financial institutions to take advantages in dynamic and competitive turbulent environment in their favor. In addition, considering the importance and status of internet banking and growing trend of it in the country in recent years, now banks and financial institutions have found that maintaining status and effective developme...

متن کامل

The impact of Cloud Computing in the banking industry resources

Today, one of the biggest problems that gripped the banking sphere, the high cost of implementing advanced technologies and the efficient use of the hardware. Cloud computing is the use of shared services on the Internet provides a large role in developing the banking system, without the need for operating expenses including staffing, equipment, hardware and software Reducing the cost of implem...

متن کامل

The impact of Cloud Computing in the banking industry resources

Today, one of the biggest problems that gripped the banking sphere, the high cost of implementing advanced technologies and the efficient use of the hardware. Cloud computing is the use of shared services on the Internet provides a large role in developing the banking system, without the need for operating expenses including staffing, equipment, hardware and software Reducing the cost of implem...

متن کامل

National Environment and Internet Banking Adoption: Comparing Singapore and South Africa

The widespread diffusion of the Internet globally has prompted most retail banks to offer Internet banking services. A recent study in Singapore identified attitudinal and perceived behavioral control factors as having an influence on consumer adoption of Internet banking. It is expected that the national environment will also impact this process. The aim of this study, therefore, was to replic...

متن کامل

ذخیره در منابع من


  با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید

برای دانلود متن کامل این مقاله و بیش از 32 میلیون مقاله دیگر ابتدا ثبت نام کنید

ثبت نام

اگر عضو سایت هستید لطفا وارد حساب کاربری خود شوید

عنوان ژورنال:

دوره   شماره 

صفحات  -

تاریخ انتشار 2013