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http://hdl.handle.net/10419/65794
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| Title: | | Cross-selling, switching costs and imperfect competition in British banks  |
| Authors: | | Zhao, Tianshu Matthews, Kent Murinde, Victor |
| Issue Date: | | 2011 |
| Series/Report no.: | | Cardiff Economics Working Papers E2011/29 |
| Abstract: | | This paper attempts to evaluate the competitiveness of British banking in the presence of cross-selling and switching costs during 1993-2008. It presents estimates of a model of banking behaviour that encompasses switching costs as well as cross-selling of loans and offbalance sheet transactions. The evidence from panel estimation of the model lends support to our theoretical priors on the cross-selling behaviour of British banks, which helps explain the rapid growth of non-interest income during the last two decades. We also find that the consumer faced high switching costs in the loan market in the latter part of the sample period, as a result of lower competitiveness. |
| JEL: | | G21 L13 |
| Document Type: | | Working Paper |
| Appears in Collections: | | Cardiff Economics Working Papers
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