In this study, the author compares the supply-demand mismatch of retail banking services and the changing patterns in Illinois and New York from 1982 to 2007 amid fundamental banking transformation and geographical deregulation. The study uses measures of concentration like the Herfindahl-Herschman Index (HHI) and the E-Index. The study finds that the traditionally unit banking Illinois has nar...

The organisational factors, which are critical to the success of e-banking, are investigated. Different pieces of literature report different factors as key to success and generally based on subjective, perceptual data. A synthesis of existing literature is a basis for survey questions. The data was collected from UK based financial sector organisations who are offering their services on electr...

This study is the first empirical research that compares three well known technology adoption models in the in the field of e-banking. It aims to determine the dominant factor(s) which influence the user intention to use Internet banking. Three models (TAM, TPB and TRA) were used to test the impact of five factors (perceived ease of use, perceived usefulness, attitude, subjective norms and perc...

E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online...

Studies on adoption of new technologies have focused mainly on the behaviour of adoption and on efficiency gains from advancement in the state of technology. The contention of this study is that it is more appropriate to regard the adoption of technology in the banking industry in dual aspects by banks and by customers, given the intermediary role of banks. Despite growing interest in e-Commerc...

Clayton Christensen’s Disruptive Innovation Theory (DIT) is one of the most renowned frameworks in strategic management. One important question discussed in the context of this theory is whether the Internet and also the business models of pure e-banks constitute a disruptive innovation to the retail banking industry. The objective of this paper is to address this question by conceptually analy...

I model the principal-agent problem in a banking context, where the agent must not only be induced to exert costly unveri…able e¤ort but also to exercise …duciary discretion in lending money on behalf of an employing bank. I show that the spread in wage outcomes necessary to induce …duciary discretion may be prohibitively expensive; instead, the bank may opt for a second-best solution where exc...

While most banks in the UAE have adopted the Internet in providing various services, the understanding of the user acceptance of e-banking services remains limited. Prior studies on ebanking acceptance have been mainly conducted in the western countries. Given the different population and culture in the UAE from the western countries, it is necessary to identify the factors that are more releva...