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dc.contributor.authorGropp, Reint E.en
dc.contributor.authorCorvoisier, Sandrineen
dc.date.accessioned2009-08-12T07:26:37Z-
dc.date.available2009-08-12T07:26:37Z-
dc.date.issued2009-
dc.identifier.urihttp://hdl.handle.net/10419/27625-
dc.description.abstractWe estimate the effect of internet penetration on retail bank margins in the euro area. Based on an adapted Baumol [1982] type contestability model, we argue that the internet has reduced sunk costs and therefore increased contestability in retail banking. We test this conjecture by estimating the model using semi-aggregated data for a panel of euro area countries. We utilise time series and cross-sectional variation in internet penetration. We find support for an increase in contestability in deposit markets, and no effect for loan markets. The paper suggests that for time and savings deposits, the presence of brick and mortar bank branches may no longer be of first order importance for the assessment of the competitive structure of the market.en
dc.language.isoengen
dc.publisher|aZentrum für Europäische Wirtschaftsforschung (ZEW) |cMannheimen
dc.relation.ispartofseries|aZEW Discussion Papers |x09-007en
dc.subject.jelG21en
dc.subject.jelE43en
dc.subject.jelD43en
dc.subject.ddc330en
dc.subject.keywordBanking structureen
dc.subject.keywordContestabilityen
dc.subject.keywordInterneten
dc.subject.stwElectronic Bankingen
dc.subject.stwRetail Bankingen
dc.subject.stwBankgebühren
dc.subject.stwPotenzieller Wettbewerben
dc.subject.stwInterneten
dc.subject.stwE-Businessen
dc.subject.stwSunk Costsen
dc.subject.stwEuropäische Wirtschafts- und Währungsunionen
dc.subject.stwEU-Staatenen
dc.titleContestability, Technology and Banking-
dc.typeWorking Paperen
dc.identifier.ppn592502066en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen
dc.identifier.repecRePEc:zbw:zewdip:7532en

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