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Diferenciação Horizontal e Poder de Mercado: Os Efeitos do E-Banking sobre as Tarifas Bancárias

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  • Luiz Humberto Cavalcante Veiga

    (Câmara dos Deputados Federal)

Abstract

This paper provides empirical evidence on the impact of e-banking on competition in the banking sector, more specifically on banking fees. Using aggregate data on fee revenues, non-interest expenses, number of external ATMs, number of multiple and commercial banks, and the degree of concentration of the banking industry, results suggest that an increase in banking concentration raises banking fees, while an increase in the number of ATMs available lowers the fees charged to consumers.

Suggested Citation

  • Luiz Humberto Cavalcante Veiga, 2006. "Diferenciação Horizontal e Poder de Mercado: Os Efeitos do E-Banking sobre as Tarifas Bancárias," Economia, ANPEC - Associação Nacional dos Centros de Pós-Graduação em Economia [Brazilian Association of Graduate Programs in Economics], vol. 7(2), pages 365-393.
    • Handle: RePEc:anp:econom:v:7:y:2006:i:2:p:365-393
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    References listed on IDEAS

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    Cited by:

    1. Mariana O. Silva & Claudio R. Lucinda, 2017. "Switching costs and the extent of potential competition in Brazilian banking," Economia, ANPEC - Associação Nacional dos Centros de Pós-Graduação em Economia [Brazilian Association of Graduate Programs in Economics], vol. 17(1), pages 117-128.

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    More about this item

    Keywords

    E-Banking; Cointegração; Cidade Circular; Concorrência;
    All these keywords.

    JEL classification:

    • C32 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes; State Space Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L86 - Industrial Organization - - Industry Studies: Services - - - Information and Internet Services; Computer Software

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