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...

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...

Foreign-owned U.S. banks have been chronically unprofitable for more than a decade. We employ a profit efficiency model introduced by Berger, Hancock, and Humphrey (1993), modified to be less sensitive to variations in asset size, to estimate the relative profit efficiency of 62 foreign-owned...