Please use this identifier to cite or link to this item: http://hdl.handle.net/2445/62326
Title: Internet Banking in Europe: a comparative analysis
Author: Claeys, Peter Gunther
Arnaboldi, Francesca
Keywords: Bancs
Internet
Política industrial
Innovacions tecnològiques
Banks
Internet
Industrial policy
Technological innovations
Issue Date: 2008
Publisher: Universitat de Barcelona. Institut de Recerca en Economia Aplicada Regional i Pública
Abstract: A key strategic issue for banks is the implementation of internet banking. The ‘click and mortar’ model that complements classical branch banking with online facilities is competing with pure internet banks. The objective of this paper is to compare the performance of these two models across countries, so as to examine the role of differences in the banking system and technological progress. A fuzzy cluster analysis on the performance of banks in Finland, Spain, Italy and the UK shows that internet banks are hard to distinguish from banks that follow a click and mortar strategy; country borders are more important. We therefore explain bank performance by a group of selected bank features, country-specific economic and IT indicators over the period 1995-2004. We find that the strategy of banking groups to incorporate internet banks reflects some competitive edge that these banks have in their business models. Extensive technological innovation boosts internet banking.
Note: Reproducció del document publicat a: http://www.ub.edu/irea/working_papers/2008/200811.pdf
It is part of: IREA – Working Papers, 2008, IR08/011
URI: http://hdl.handle.net/2445/62326
ISSN: 2014-1254
Appears in Collections:Documents de treball (Institut de Recerca en Economia Aplicada Regional i Pública (IREA))

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