Internet Banking: An Exploration in Technology Diffusion and Impact

Internet Banking: An Exploration in Technology Diffusion and Impact

Internet Banking: An Exploration in Technology Diffusion and Impact

This paper studies the diffusion and impact of a cost-saving technological innovation — Internet banking. Our theory characterizes the process through which the innovation is adopted sequentially by large and small banks, and how the adoption affects bank size distribution. Applying the theory to an empirical study of Internet banking diffusion among banks across 50 U.S.

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