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Firm Strategy and the Internet in U.S. Commercial Banking

Kim Huat Goh, Robert J. Kauffman
2013 Journal of Management Information Systems  
We test a set of hypotheses on strategic advantage and strategic necessity in the context of Internet banking investments among the entire population of the United States Federal Deposit Insurance Corporation  ...  and addressing the issue of strategic necessity in an effective way.  ...  We benefited from the comments of Eric Clemons, Thomas Weber, Abraham Seidmann, Eric Johnson, Andrew Whinston and the participants of 25 th Anniversary Symposium of the Com-  ... 
doi:10.2753/mis0742-1222300201 fatcat:3spd7exjbrd4lcxwg5xywko6ey

Deregulation, the Internet, and the Competitive Viability of Large Banks and Community Banks

Robert DeYoung, William C. Hunter
2001 Social Science Research Network  
This paper examines the comparative strengths and weaknesses of large and small banks in this new environment, and outlines the strategic opportunities and threats that new technology -especially the Internet  ...  Deregulation and technological change are transforming U.S. commercial banking from an industry dominated by thousands of small, locally focused banks into an industry where a handful of large banks could  ...  changed the landscape of the U.S. commercial banking industry.  ... 
doi:10.2139/ssrn.290284 fatcat:visbjrgukfc7bizgfu4earpgky

The Challenges Facing Community Banks: In Their Own Words

Robert DeYoung, Denise J. Duffy
2003 Social Science Research Network  
This suggests a growing differentiation between the business strategies of small community banks and larger commercial banks.  ...  bank has acquired a community bank. 1 Figure 2 illustrates the dramatic change in the size distribution of U.S. commercial banks caused by these mergers.  ...  ., and Stephen Timme, 1991, "Technological change in large U.S. commercial  ... 
doi:10.2139/ssrn.377780 fatcat:7bhowojquja6ngp46cck7bnk2e

Safety, Soundness, and the Evolution of the U.S. Banking Industry [chapter]

Robert DeYoung
2008 Handbook of Financial Intermediation and Banking  
The Evolution of the U.S. Banking Industry 1 During the 1970s, and indeed during all of the postwar period leading up to the 1970s, U.S. commercial banking was a protected industry.  ...  Large commercial banks made loans to business firms of all sizes and were the major source of short-term financing to large businesses.  ... 
doi:10.1016/b978-044451558-2.50018-0 fatcat:efg42fzw7vgntfklbtbruv4fdu

Strategies for accelerating the worldwide adoption of e-commerce

Christos J. Georgiou, Petros S. Stefaneas
2002 Communications of the ACM  
In 1998 about 20% of the population in North America had Internet access [3], while only about 7% in the European Union (EU), and 2% in the rest of the world had access.  ...  The trend is led by professional service businesses, such as law and real estate firms. The growth of the Internet outside North America is key to the proliferation of e-commerce.  ...  Conclusion The recent surge in Internet use has increasingly popularized e-commerce in the U.S., but the rest of the world lags behind.  ... 
doi:10.1145/505999.506003 fatcat:2ax6ulruybaxtptkpi6ft4eyji

Learning-by-Doing, Scale Efficiencies, and Financial Performance at Internet-Only Banks

Robert DeYoung
2001 Social Science Research Network  
This study introduces a general intuitive framework for analyzing start-up firms with innovative business plans, and uses it to investigate the performance of Internet-only banks and thrifts in the U.S  ...  In general, the results suggest that the Internet-only banking model may well be viable when executed efficiently. JEL codes: G21, L86, O30  ...  Nearly half of all U.S. banks and thrifts were operating transactional Internet websites at the beginning of 2002. 1 But most of these firms have adopted a "click-and-mortar" business model in which  ... 
doi:10.2139/ssrn.282721 fatcat:4ej3x4hqtnfmlh2debiri4x56a

The Economic Effects of Technological Progress: Evidence from the Banking Industry

Allen N. Berger
2003 Journal of Money, Credit and Banking  
This paper examines technological progress and its effects in the banking industry.  ...  The research also suggests significant overall productivity increases in terms of improved quality and variety of banking services.  ...  Internet banking has become widespread in a short time, although there are substantial differences by bank size in implementation strategies.  ... 
doi:10.1353/mcb.2003.0009 fatcat:rkfsbpgtszb7pcdhham4phjvhy

The Economic Effects of Technological Progress: Evidence from the Banking Industry

Allen N. Berger
2002 Social Science Research Network  
This paper examines technological progress and its effects in the banking industry.  ...  The research also suggests significant overall productivity increases in terms of improved quality and variety of banking services.  ...  Internet banking has become widespread in a short time, although there are substantial differences by bank size in implementation strategies.  ... 
doi:10.2139/ssrn.332900 fatcat:p7xrenyfynelrntkmrgm77ag5e

From the Editor

Duane Windsor
2009 Business & Society  
The articles have moved from managers in China, U.S. commercial banks, and U.S. publicly owned companies to U.S. entrepreneurs.  ...  As the third article helps to clar- ify, however, reasoned action and planned behavior are arguably at work in Chinese companies and U.S. commercial banks in some way.  ... 
doi:10.1177/0007650309341632 fatcat:ull2fi6bhfdwdarjqznzopv7ce

Size Anomalies in U.S. Bank Stock Returns

Priyank Gandhi, Hanno N. Lustig
2010 Social Science Research Network  
The average alphas are small but positive for commercial banks in the first five deciles and then decrease for the largest banks in the top three deciles.  ...  To explore the asset pricing implications of financial disasters, our paper studies historical bank stock returns in the U.S.  ...  The Internet Appendix includes a detailed discussion of these choices. 2 We exclude data for all financial firms that are inactive and we also exclude financial firms that are not incorporated in the U.S  ... 
doi:10.2139/ssrn.1653083 fatcat:bzfibuyrfvbhhbjf4k37pwxpaq

Electronic Cash In E-Commerce: Comparative Analysis Of Views Of Hispanic And African-American Business Owners

James L. Morrison, G. Titi Oladunjoye, Young S. Kwak, Michael Czarkowski
2011 Journal of Business & Economics Research  
<span style="mso-spacerun: yes;">&nbsp; </span>In addition, while both groups of owners agreed that e-cash will likely replace traditional currency used in commercial transactions between consumers and  ...  business, they both are uncertain as to what degree central banks of countries should regulate and how much freedom the private sector should have for developing new forms of e-cash.  ...  the seriousness of e-commerce (specifically the Internet) as a marketing strategy.  ... 
doi:10.19030/jber.v1i4.3003 fatcat:sgkbcta2vvemrgatnv4x6zsk34

Page 583 of The Journal of Business Vol. 78, Issue 2 [page]

2005 The Journal of Business  
For example, Furst, Lang, and Nolle (2002) find that the probability of federally chartered commercial banks to adopt internet banking is positively related to their reliance on noninterest income.  ...  This information was obtained from a telephone survey of the 200 largest U.S. bank- ing organizations conducted by the Federal Reserve Bank of Atlanta in January 1998.  ... 

The Performance of Internet‐Based Business Models: Evidence from the Banking Industry

Robert DeYoung
2005 The journal of business  
U.S. commercial banks at least 10 years old ranged from $10 million to $500 billion in assets in 2000.  ...  For example, ClarityBank.com switched from an Internet-only strategy to a click-and- mortar strategy in the latter half of 2001 and changed its name to National American Bank in 5.  ... 
doi:10.1086/429648 fatcat:rmcw7aypxjdfjg23sjg7j4ztjm

The Performance of Internet-based Business Models: Evidence from the Banking Industry

Robert DeYoung
2003 Social Science Research Network  
U.S. commercial banks at least 10 years old ranged from $10 million to $500 billion in assets in 2000.  ...  rivals, rather than commercial firms or nonbank financial firms. 18.  ...  Because the true form of this bank-specific variation is unknown, four random effects models, identified as models 1 through 4 in the tables, are used in the regression analysis in tables 3 through 6.  ... 
doi:10.2139/ssrn.376821 fatcat:uuswwf7fifgtpkl5sl5oprquu4

The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya

Gift Kimonge Dzombo, James M. Kilika, James Maingi
2017 International Journal of Financial Research  
The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other.  ...  The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in  ...  The study found that commercial banks in Kenya had the highest usage rate of internet banking among the financial institutions sampled.  ... 
doi:10.5430/ijfr.v8n4p167 fatcat:yrmewpb7gnanhj4gjp5dpugy7e
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