taking place for retail banking. Data on cross-border retail bank flows, cross-border bank mergers and the law of one price … reveal no evidence of integration in retail banking. This paper shows that the previous tests of bank integration are weak in … role of an active market for corporate control and of competition in banking integration. European listed banks …

The European banking industry joined forces to achieve a fully integrated market for retail payment services in the …. Similarly, a higher usage of electronic retail payment instruments seems to stimulate banking business. We also show that retail …