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Benefits from a Changing Payment Technology in European Banking
Florida State University.
School of Business, Economics and Law, University of Gothenburg.
School of Business, Economics and Law, University of Gothenburg.
School of Business, Economics and Law, University of Gothenburg.
2006 (English)In: Journal of Banking & Finance, ISSN 0378-4266, Vol. 30, no 6, 1631-1652 p.Article in journal (Refereed) Published
Abstract [en]

An “output characteristics” cost function is used to identify payment sources of technical change in European banking and estimate associated benefits. As the share of electronic payments in 12 European countries rose from 0.43 in 1987 to 0.79 in 1999 and ATMs expanded while the number of branch offices was constant, bank operating costs are $32 billion lower than they otherwise might have been, saving 0.38% of the 12 nations’ GDP. Policies facilitating these changes (antitrust exemptions to weakly coordinate implementation of payment service pricing) would permit benefits to be more fully realized.

Place, publisher, year, edition, pages
2006. Vol. 30, no 6, 1631-1652 p.
Keyword [en]
Payments; Technical change; Europe
National Category
Economics Business Administration
Research subject
Economy, Economics; Economy, Business administration
Identifiers
URN: urn:nbn:se:lnu:diva-22510OAI: oai:DiVA.org:lnu-22510DiVA: diva2:570195
Available from: 2012-11-16 Created: 2012-11-16 Last updated: 2012-12-20Bibliographically approved

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CiteExportLink to record
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Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
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Language
  • de-DE
  • en-GB
  • en-US
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  • Other locale
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Output format
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