universal and direct banks. Bank employees in this sector consist of bank clerks who have completed vocational training in … bank clerks with a completed banking apprenticeship are working, and a segment of wealthy customers, whose more complex …

discrete-choice, multinomial logit deposit service and loan demand functions for each bank and calculate the corresponding …

stronger competition implies significantly lower spreads between bank and market interest rates for most loan market products … bank interest rates, we likewise find that banks tend to price their loans more in accordance with the market in countries … where competitive pressures are stronger. Further, where loan market competition is stronger, we observe larger bank spreads …

relationship between retail payment business and overall bank performance. Using data from across 27 European markets over the … period 2000-07, we analyse whether the provisions of retail payment services are reflected in improved bank performance … of retail payment transaction technologies. Retail payment transaction technology itself can also improve bank …

rates for the main financial products in the Irish financial retail market (bank accounts, loans, credit cards and mortgages …