Internet web sites have become an important alternative distribution channel for most banking institutions. However, we still know little about the impact of this delivery channel on bank performance. We observe 424 community banks among the first wave of US banks to adopt transactional banking...

The United States still has a heavily paper-based retail payment system when compared with many other developed economies, but the shift to electronic payments has been bigger and more decisive than commonly perceived. For the first time ever, check use declined in the mid-1990s, and among...

Internet banking is receiving great attention in the banking industry and the regulatory community. As with other areas of e-commerce, discussions about Internet banking often proceed without reference to the actual state of market developments. This paper describes the current state of Internet...

Banking over the Internet has attracted increasing attention over the past several years from bankers and other financial services industry participants, the business press, regulators, and lawmakers, both in the United States and in other countries. In part, this is due to the rapid and...

Banking over the Internet is attracting a great deal of attention in the banking and regulatory communities, and developments in this new delivery channel are the subject of numerous articles in the banking press. Despite widespread interest in and concerns about this subject, there is little...

Many countries around the world have experienced banking crises in the past two decades, and all countries are witnessing substantial changes in the structure and nature of banking. These developments have led national and multilateral policymakers to focus increased attention on the crucial...

Many countries around the world have experienced banking crises in the past two decades, and all countries are witnessing substantial changes in the structure and nature of banking. These developments have led national and multilateral policymakers to focus increased attention on the crucial...