2013-09-25 papers

on Information and Communication Technologies

Issue of 2013–09–25
one paper chosen by
Marek Giebel, Universität Dortmund

Internet banking: an exploration in technology diffusion and impact By Richard Sullivan; Zhu Wang

Internet banking: an exploration in technology diffusion and impact

By:	Richard Sullivan; Zhu Wang
Abstract:	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 geographic regions.
Date:	2013
URL:	https://d.repec.org/n?u=RePEc:fip:fedrwp:13-10

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