Cost of small business banking: a New Zealand study |
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Authors: | Stuart Locke Zakaria Boulanouar |
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Institution: | (1) Department of Finance, University of Waikato, Private Bag 3105, Hamilton, 3210, New Zealand |
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Abstract: | The research reported in this article develops a model for assessing the cost of banking services faced by small businesses.
The lack of price competition in the provision of small business banking services combined with limited transparency concerning
actual fee levels prevents small businesses from readily estimating likely fee levels. Prior research and government reports
note the difficulties faced by small business in relation to banking services and this research contributes to an understanding
of the potential dead weight losses incurred resulting from poor signalling and information asymmetry and potentially a deficient
public policy framework.
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Keywords: | Small business banking Cost of banking Simulation model |
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