Internet Banking |
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Authors: | Karen Furst William W Lang Daniel E Nolle |
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Institution: | (1) Office of the Comptroller of Currency, U.S.A;(2) Federal Reserve Bank of Philadelphia, U.S.A;(3) Federal Reserve Bank of New York, U.S.A |
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Abstract: | We use multivariate logistic regressions to identify factors affecting adoption of Internet banking. These factors include membership in a bank holding company, an urban location, and relatively higher premises and other fixed expenses to net operating revenue, higher noninterest income, and greater accounting cost efficiency than non-Internet banks. More profitable banks were more likely to adopt Internet banking after Quarter 2 1998, but more profitable institutions were less likely to be among the first movers in adopting Internet banking. Among banks with assets over $100 million, institutions with transactional Internet banking were generally more profitable and tended to rely less heavily on traditional banking activities. For banks with less than $100 million in assets, there was no statistical difference in profitability among mature Internet and non-Internet banks, but de novo Internet banks were significantly less profitable than non-Internet de novos.An erratum to this article can be found at |
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Keywords: | Internet banking electronic banking de novo banks |
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