This study provides new evidence on the emergence of a single Eurozone retail banking market. Given the heterogeneous nature of retail lending in the Eurozone, the study advocates to apply cointegration methodology to investigate integration in the presence of country-specific credit rates. The...

Our study reviews the process towards creating a single European retail banking market. The EU has aimed at integrating the traditionally heterogeneous banking market in Europe by means of harmonizing legislation. While the wholesale banking market integration is considered to be more advanced,...

Our study reviews the process towards creating a single European retail banking market. The EU has aimed at integrating the traditionally heterogeneous banking market in Europe by means of harmonizing legislation. While the wholesale banking market integration is considered to be more advanced,...

This paper investigates the state, development and drivers of banking market integration in the member countries of the Southern African Development Community (SADC) by employing interest rate data. We first conduct a principal component analysis and find evidence for both increasing monetary...

This study investigates the current state of eurozone banking market integration by applying price convergence and cointegration measures to mortgage and short-term corporate loan rates. These two measures of integration often lead to contradicting conclusions and are therefore comparatively...